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Mentor
I have not actually done it but remember being told that it could be done for a nominal charge
I was told I could recast for $250
I did this recently. In a 7-year ARM with Citi as of Jan 2025 (over $1M mortgage) and lowered interest rate in Jan 2026. I think it cost $2500 but was very easy process.
Enthusiast
I modified my loan for a $3k fee last year.