{"id":305228,"date":"2024-11-13T05:02:08","date_gmt":"2024-11-13T10:02:08","guid":{"rendered":"https:\/\/www.houzeo.com\/blog\/?p=305228"},"modified":"2025-02-11T04:53:40","modified_gmt":"2025-02-11T09:53:40","slug":"curtailment-mortgage","status":"publish","type":"post","link":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/","title":{"rendered":"What Is Mortgage Curtailment and What Are Its Benefits?"},"content":{"rendered":"\n<p>As of the November 2023 <a href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">mortgage rates<\/a>, the total interest you pay on a 15-year mortgage is <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1pAJiITKGVMLtDgDD6n3lrN8_FCxtzYecX2tKK5WRlnM\/\" target=\"_blank\" rel=\"noreferrer noopener\">$2,674.82<\/a>. With mortgage curtailment, you can save huge on the overall interest on your loan. <\/p>\n\n\n\n<p>Mortgage curtailment means making extra payments to pay off a mortgage early. It helps buyers save thousands of dollars in interest payments, as it quickens the <a href=\"https:\/\/www.houzeo.com\/blog\/principal-and-interest\/\" target=\"_blank\" rel=\"noreferrer noopener\">loan repayment<\/a> process and reduces its duration. <\/p>\n\n\n\n<div class=\"block-takeaways\"><p class=\"topHead\"><\/p><p class=\"headKeytake\"><b>4 Benefits of Mortgage Curtailment<\/b><\/p>\n<ul>\n<li> Mortgage curtailment can potentially save you a significant amount of money in interest payments.\n<\/li>\n<li> With curtailment, you can shorten the overall term of your mortgage.\n<\/li>\n<li>  Based on the mortgage agreement, a curtailment plan can reduce your monthly mortgage payments. This frees up cash and provides more financial flexibility.\n<\/li>\n<li> Curtailment payments speed up the growth of your equity in the property. As you decrease the mortgage balance, your ownership stake in the home increases. <\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"work\"><strong>How Does a Mortgage Curtailment Work?<\/strong><\/h2>\n\n\n\n<p>To understand how mortgage curtailment works, let&#8217;s look at two hypothetical situations:<\/p>\n\n\n\n<p>1st Situation: <strong>Regular payments<\/strong> on a <strong>30-year<\/strong> mortgage of <strong>$200,000<\/strong> with an interest rate of <strong>4%<\/strong>.<\/p>\n\n\n\n<p>2nd Situation:<strong> Mortgage curtailment<\/strong> on a <strong>30-year<\/strong> mortgage of <strong>$200,000<\/strong> with an interest rate of <strong>4%<\/strong>. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Regular Payments<\/strong><\/td><td><strong>Mortgage Curtailment<\/strong><\/td><\/tr><tr><td><strong>1<\/strong><\/td><td>It will take you<strong> 30 years<\/strong> to completely pay off the mortgage.<\/td><td>Say you make an extra payment of <strong>$200<\/strong> towards the principal every month. This is on top of the monthly <strong>$955<\/strong> payment.<\/td><\/tr><tr><td><strong>2<\/strong><\/td><td>By the end of the loan term, you would have paid a total of <strong>$343,739.<\/strong><\/td><td>With this extra payment, you would pay off the mortgage in <strong>22 years<\/strong> instead of <strong>30<\/strong>. <\/td><\/tr><tr><td><strong>3<\/strong><\/td><td><strong>$143,739<\/strong> of the total amount you pay would go into interest.<\/td><td>You would save around <strong>$37,000<\/strong> in interest over the life of the loan.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"check-minus-content-list\" style=\"background-color: #dff0ff; padding:20px; margin-left:-5px;\"> \ud83d\udcccImportant: Some&nbsp;lenders&nbsp;allow borrowers to make curtailment payments at any time. Whereas, some allow it within certain timeframes. It&#8217;s important to check with your lender to see what options are available to you. <\/ul>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"types\"><strong>Types of Curtailment<\/strong><\/h2>\n\n\n\n<p>There are two types of mortgage curtailments: <\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Partial Curtailment:<\/strong> Instead of paying the entire <a href=\"https:\/\/www.houzeo.com\/blog\/what-is-a-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage<\/a> balance at once, you make partial payments to lower the principal amount. This strategy allows you to decrease the amount you owe and save on interest.<\/li><li><strong>Full Curtailment:<\/strong> Here, you make a full payment of your debt balance at once. This process allows you to become mortgage-free and own your property outright. <\/li><\/ol>\n\n\n\n<ul class=\"check-minus-content-list\" style=\"background-color: #dff0ff; padding:20px; margin-left:-5px;\"> \ud83d\udcccImportant: You must review your mortgage agreement and consult your lender. Also, ensure there are no prepayment penalties or any other fees associated with early repayment.<\/ul>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"consider\"><strong>Is Mortgage Curtailment Worth It?<\/strong><\/h2>\n\n\n\n<p>There are various benefits of mortgage curtailment.&nbsp;However, you must consider your financial situation and approach your lender before you choose to curtail your mortgage. <\/p>\n\n\n\n<p>You must consider these factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Financial Situation:<\/strong> You must ensure that you have enough funds to make curtailment payments. Prioritize high-interest debts and create an emergency fund before you curtail your home loan. <\/li><li><strong>Interest Rate: <\/strong>A curtailment is a good option when your loan has high interest rates. By reducing the principal amount you can also <a href=\"https:\/\/www.houzeo.com\/blog\/buydown-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">reduce the interest rate charges<\/a>. <\/li><li><strong>Prepayment Penalties:<\/strong> Check the mortgage agreement for any prepayment penalties. Note that some lenders impose a fee for paying off the mortgage early. <\/li><\/ul>\n\n\n\n<h2 class=\"margin-top-15 wp-block-heading\"><strong><strong>Find Homes for Sale Under Your Specific Budget<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-100k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$100K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-150k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$150K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-200k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$200K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-250k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$250K<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-300k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$300K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-350k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$350K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-400k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$400K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-450k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$450K<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-500k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$500K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-600k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$600K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-650k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$650K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-700k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$700K<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-800k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$800K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-850k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$850K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-900k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$900K<\/strong><\/a><\/td><td><a href=\"https:\/\/www.houzeo.com\/homes-for-sale\/homes-for-sale-under-950k\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Homes For Sale under<br>$950K<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"bottom-line\"><strong>Bottom Line<\/strong><\/h2>\n\n\n\n<p>Mortgage curtailment helps you save on interest and pay off the loan sooner. Apart from this, it also grows your <a href=\"https:\/\/www.houzeo.com\/blog\/home-equity\/\" target=\"_blank\" rel=\"noreferrer noopener\">home equity<\/a> faster. Homeowners who can afford to make extra payments and have a stable financial situation should opt for curtailment. <\/p>\n\n\n\n<p>Furthermore, if you are a new homebuyer, it&#8217;s important to get familiar with mortgage terms like <a href=\"https:\/\/www.houzeo.com\/blog\/what-is-a-down-payment\/\" target=\"_blank\" rel=\"noreferrer noopener\">down payments<\/a>, <a href=\"https:\/\/www.houzeo.com\/blog\/mortgage-amortization\/\" target=\"_blank\" rel=\"noreferrer noopener\">amortization<\/a>, etc. To start your home search you can browse properties online. <\/p>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\"><strong>Find Your New Home With Houzeo<\/strong><\/h2>\n\n\n\n<p>With thousands of properties online. Houzeo.com is one of the biggest property listing sites in the US. Find condos, townhouses, co-ops, and other types of <a href=\"https:\/\/www.houzeo.com\/homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale<\/a> on Houzeo.<\/p>\n\n\n\n<p class=\"margin-top-28\"><strong>\u00bb Need More Clarity?&nbsp;<\/strong>Read these exclusive&nbsp;<a href=\"https:\/\/www.realestatequeen.com\/houzeo-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo reviews<\/a>&nbsp;and learn why the platform is the best in America\u2019s competitive housing market.<\/p>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"faq\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat does posted to curtailment mean?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>Post to curtailment means that a <a href=\"#work\">curtailment payment<\/a> has been received and applied to the principal balance of the mortgage.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat is the difference between mortgage curtailment and prepayment?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>Mortgage curtailment involves additional payments directly applied to the <a href=\"https:\/\/www.houzeo.com\/blog\/principal-and-interest\/\" target=\"_blank\">principal balance<\/a>. Prepayment refers to various methods of making extra payments that can be used to reduce principal or to prepay future interest.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tDo lenders allow partial curtailments?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>Yes, lenders allow <a href=\"#types\">partial curtailments<\/a> at any point of the loan repayment process. <\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<div class=\"new-excerpt\"><p class=\"small-desc\">Mortgage Curtailment is the additional payment made against your existing mortgage. Thus, reducing the outstanding mortgage...<\/p><\/div><div class=\"reading_date\"><span class=\"readtime\">4 mins read<\/span><span class=\"date\">Nov 13, 2024<\/span><\/div>","protected":false},"author":102,"featured_media":428178,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46225,46240],"tags":[24568,24565,24566,24576,24567,24569,24577],"class_list":["post-305228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer","category-mortgage-terms","tag-curtailment-definition","tag-define-curtailment","tag-meaning-of-curtailed","tag-principal-curtailment-definition","tag-what-is-curtailment-on-a-loan","tag-what-is-principal-curtailment","tag-what-is-principal-curtailment-on-a-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Mortgage Curtailment and What Are Its Benefits?<\/title>\n<meta name=\"description\" content=\"Mortgage Curtailment is the additional payment made against your existing mortgage. Thus, reducing the outstanding mortgage balance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Mortgage Curtailment and What Are Its Benefits?\" \/>\n<meta property=\"og:description\" content=\"Mortgage Curtailment is the additional payment made against your existing mortgage. Thus, reducing the outstanding mortgage balance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Houzeo Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-13T10:02:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T09:53:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/10\/What-is-mortgage-curtailment.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"435\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Bhagyesh Behere\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bhagyesh Behere\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is Mortgage Curtailment and What Are Its Benefits?","description":"Mortgage Curtailment is the additional payment made against your existing mortgage. Thus, reducing the outstanding mortgage balance.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/","og_locale":"en_US","og_type":"article","og_title":"What Is Mortgage Curtailment and What Are Its Benefits?","og_description":"Mortgage Curtailment is the additional payment made against your existing mortgage. Thus, reducing the outstanding mortgage balance.","og_url":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/","og_site_name":"Houzeo Blog","article_published_time":"2024-11-13T10:02:08+00:00","article_modified_time":"2025-02-11T09:53:40+00:00","og_image":[{"width":810,"height":435,"url":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/10\/What-is-mortgage-curtailment.webp","type":"image\/webp"}],"author":"Bhagyesh Behere","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Bhagyesh Behere","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/","url":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/","name":"What Is Mortgage Curtailment and What Are Its Benefits?","isPartOf":{"@id":"https:\/\/www.houzeo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/#primaryimage"},"image":{"@id":"https:\/\/www.houzeo.com\/blog\/curtailment-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/10\/What-is-mortgage-curtailment.webp","datePublished":"2024-11-13T10:02:08+00:00","dateModified":"2025-02-11T09:53:40+00:00","description":"Mortgage Curtailment is the additional payment made against your existing mortgage. 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