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Tips Mortgages 15-Year Loans - You will save thousands of dollars in interest by taking out a 15-year loan instead of a 30 year loan.  Payments - Think you have to have the most expensive house you can qualify for? Remember this. Every dollar less that you spend on your home mortgage saves you roughly $2.40 on each mortgage payment. Qualification for Mortgage Amount - Be sure and run your own numbers to make sure you can afford your mortgage payment.  The bank may have a limit on how much money they will lend you, but they do not know your personal finances as well as you do.   Refinancing Refinancing - It is a smart move to refinance your home if the interest rate drops and you plan on staying in your home long enough to recoup the cost of refinancing. The rule of thumb is to refinance if you can lower your interest rate by one percent.

 

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