Home ownership can be a huge drain on your finances and saving up a decent deposit can be hard for a lot of people, so with that in mind I think that home ownership is not right for everyone. I also believe that less and less people will opt into home ownership just because of the massive capital outlay and on going debt.

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Refi, Recast, or Prepay? Options for your Mortgage Recast mortgage vs extra payments or prepayment. Generally you can recast a loan more than once. Keep in mind that recasting a mortgage is not the same as making extra payments or prepayment on your loan. If you pay a lump sum on your own without recasting, you have effectively lowered your principal amount, but not your monthly payment.

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