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@flowerbud They don't care about your specific interest. If they decline the re-cast, ask for it to be escalated, ask why it was declined to see if you can work with them, etc. If they still decline I wouldn't say "or else I'm going to re-fi." They will just transfer you to someone to sell you a...

@flowerbud They are not required to do it, nor is it required to be free. In general they have guidelines, which you should be able to ask them for in advance. Most of the time it's there to prevent min/max people from ruining it for everyone by asking them to recast it every time they put an...

@flowerbud Recasting is great. You can continue to pay your same mortgage payment as prior (just moving the excess to the "extra principle" line in your autopay) but if you ever experience hardship you can ditch that and your emergency fund lasts longer or refills faster. Or invest the...