What We Do
Our calculator estimates a new monthly payment, scheduled payoff date, monthly reduction, and potential interest savings after a lump-sum principal payment. Our guides explain the same concepts in plain English so readers can prepare better questions for their mortgage servicer. RecastMate does not originate loans, approve recast requests, or replace the official figures supplied by a lender or servicer.
Who Maintains RecastMate
RecastMate is maintained by the RecastMate Editorial Team. We focus on practical mortgage education for homeowners comparing recasting, extra principal payments, and refinancing. Articles identify assumptions, separate principal and interest from escrow costs, and point readers toward first-party sources when discussing servicing procedures or consumer protections.
Our Editorial Principles
We aim for accuracy, clarity, and appropriate caution. Calculator results are labeled as estimates, important limitations are stated near the result, and financial decisions are not presented as one-size-fits-all answers. We review material when policies, terminology, or calculation assumptions change. Published update dates show readers when a page was last reviewed.
We also protect reader privacy by keeping calculator math in the browser. RecastMate does not require an account or ask visitors to submit their mortgage amounts to us.
Contact Us
Questions, corrections, and source suggestions are welcome. Visit our contact page to reach the editorial team. We review reader feedback for factual issues, unclear explanations, and opportunities to improve accessibility. For details about how the site handles information, read our privacy policy.