Refinancing from 6.5% to 5.5% on a $350K loan saves about $225 monthly.
A $50,000 principal payment on a $400K mortgage can cut monthly costs by $341.
Canceling PMI after reaching 20% equity saves $100–$250 per month on average.
Comparing insurers or raising deductibles could reduce premiums averaging $2,377 annually.
Challenging inflated home values may lower tax bills and free up monthly cash flow.