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Whether you're saving for a down payment or paying off credit cards, these money-saving tips will help you get there.
When you take out a mortgage, you also often end up having to get additional services that involve paying extra fees. For instance, most lenders will require that you have private mortgage insurance if you don't make a minimum down payment of 20% or more when you first purchase your home, and that protection can cost you hundreds of dollars in additional premiums every month. Fortunately, you don't have to prepay your mortgage in full to get out from under PMI costs, as your lender will no longer be able to require you to keep PMI in force once you've paid it down enough to bring your home equity up to about 20% to 25% of the value of your home.
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