NO REFINANCING NEEDED

Potentially Lower Your Mortgage Payments Without Refinancing

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

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​Mortgage Restructure Calculator

See how mortgage restructure could potentially reduce your monthly payments.

Enter Your Loan Details

Current Loan Details

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New Restructured Interest Rate

If your current rate is higher than today's market rate, please input the market rate today.
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​For current modification market rates, visit Freddie Mac Modification Interest Rate.
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​*Some modifications may leave your rate the same or adjust to to market rate.

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How it may work:
​Your current loan may be restructured into a first mortgage (70% of current balance at your current loans rate or the current market rate) and a second mortgage (up to 30% at 0% interest).
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​This typically may result in lower monthly payments.

Your Potential New Terms

New Loan Balance Structure

1st Mortgage (70%) Primary Loan

$245,000

Rate: 6.13%
Payment Target Goal: $1,800/mo
2nd Mortgage (30%) 0% Interest

$105,000

Rate: 0% Payment: $0/mo
Blended Rate 4.55%

Your effective average rate across all loans. Based on 70% @ new rate + 30% @ 0% interest.

Potential Estimated Savings

Monthly

$600

Annual

$7,200

5 Years

$36,000

30 Years

$216,000

Suggested Potential Closing Success Fee

$8,100

Projected Timeline

Projected Offer Date

—

+4 Months

Projected New Payment Date

—

+6 Months
Get More Info

Important Disclosures

  • This calculator provides estimates only. Actual payments and terms may vary. Subject to lender/servicer review and approval.
  • RateMatchup.com may match you with third-party service providers. You may stop doing business with the matched provider at any time.
  • RateMatchup.com is not associated with the government, and our matching service is not approved by the government or your lender.
  • No Payment Required: Using our matching service is completely free, and you can choose not to proceed with any provider at any time without any payment obligations.
  • Even if you accept an offer and use the services of a matched provider, your lender may not agree to change your loan.
  • Potential Credit Implications: Applying for mortgage assistance or loan modifications may have an impact on your credit score.
  • Be Cautious of Upfront Fees: You should never pay an upfront fee for mortgage assistance services.
  • Rate Preservation: Some modification programs may keep your current interest rate the same rather than adjusting to the current market rate.
  • Loan Term Extension: Restructured terms may lengthen your loan duration for up to 480 months (40 years). While this may lower monthly payments, the total interest paid over the life of the loan may increase.

Lower Your Mortgage Payments Without Refinancing

Fill out form to see if you potentially qualify for mortgage restructuring to 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 potential 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.

Get More Info
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

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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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