NO REFINANCING NEEDED

Potentially Lower Your Mortgage Payments Without Refinancing

You might be able to restructure your current loan terms and reduce your monthly payments significantly. See your potential savings in seconds.

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Mortgage Restructure Calculator

See how restructuring your mortgage could potentially reduce your monthly payments.

Enter Your Current Loan Details

Your Current Loan Details

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New Restructured Interest Rate

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If your current rate is higher than today's market rate, please input the new restructured rate above. For current modification rates, please refer to the Freddie Mac Modification Interest Rate.

How it works: Your current loan is restructured into a first mortgage (70% of balance) and a second mortgage (30% of balance at 0% interest). This typically results in lower combined monthly payments.

Your Potential New Restructured Terms

New Loan Structure

New Blended Rate  4.55%

Based on 70% @ new rate + 30% @ 0% interest

The blended rate shows your effective average rate across all loans. A lower blended rate means you may potentially pay a lower interest rate on the overall balance owed.

1st Mortgage (70%) Primary Loan

$245,000

Rate: 6.50%
Payment: $1,800/mo
2nd Mortgage (30%) No Interest

$105,000

Rate: 0%
Payment: $0/mo

New Monthly Payment Target

$1,800

25% less than current

Monthly Savings

$600

Annual Savings

$7,200

5-Year Savings

$36,000

30-Year Savings

$216,000

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Important Disclosures

Lower Your Mortgage Payments Without Refinancing

Fill out the form to see if you qualify for our mortgage restructure program. Keep your current loan, potentially reduce your payments, and get relief today.

No Credit Check Required
100% Free
Fast Results
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Your information is secure and will never be shared without your consent.

Struggling with Your Mortgage? You May Still Be Eligible.

Mortgage restructure programs may be a goo dpotential alternative to refinancing.

No Credit Score Required

Don't let a lower credit score hold you back from getting mortgage relief.

Streamlined Process

Some options available with no income review needed — get approved faster.

Can Be Late or Behind on Payments

Even if you've missed payments, you may still qualify for restructuring.

Bankruptcies OK

Previous or current bankruptcy doesn't automatically disqualify you.

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NO REFINANCING
20%-25%
Potential Payment Reduction

✓ Potentially reduce your interest rate

✓ Get more affordable monthly payments

✓ Extend loan term up to 480 months if needed

✓ Keep your current lender in most cases

Testimonials

What Our Clients Think

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RateMatchUp.com helped me find the best mortgage rates efficiently. The process was seamless, and I feel confident in my financial decisions!
Sarah 

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I used RateMatchUp.com for my insurance quotes, and I was thrilled with the quick comparisons and the savings I found!
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How RateMatchUp.com Works

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Receive up to five free quotes, compare interest rates, and choose the option that best suits your financial needs.

Potential Benefits of a Mortgage Restructure

Up to 25% Payment Reduction
Potentially lower your monthly mortgage payments significantly through our restructure program.
No Refinancing Needed
Keep your existing loan in place while restructuring terms for better payments.
Credit Challenges OK
Previous bankruptcy, missed payments, or low credit scores don't automatically disqualify you.
Potentially Lower Rate
Split your loan so 30% of the balance carries zero interest with no monthly payment.
Can Be Behind on Payments
Even if you've missed mortgage payments, you may still qualify for restructuring.
Fast Online Process
Complete everything online from home. No lengthy paperwork or bank visits required.
100% Free Service
Using our matching service costs nothing. No fees, no obligations, no upfront costs.
Instant Savings Calculator
See your potential monthly savings in seconds with our easy-to-use calculator.
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