1. Confirm Y our Loan Details - Know your total loan amount, interest rate, and re mainin g te rm - Check your current monthly paymen t bre akdown - Review your amortization sch edule 2. Understand the Bi-W eekly Strategy - Learn how 26 bi-weekly paymen ts = 13 full p ayments annua lly - Estimate potential interest savings usi ng a bi-we ekly calcula to r - V erify if your lender of fers true bi-weekly processing (not just holding payments) 3. Set It Up with Y our Lender - Contact your mortgage provide r to req uest a bi-wee kly payment option - A void third-party services with added fees - Confirm that payments w ill be app lied imme diately (not hel d in escrow) 4. Budget Accordingly - Align your mortgage with your bi-weekly paycheck schedule - T rack payments using online banking or mortgage portal - Set alerts to monitor payment p ostings and ba lances 5. Accelerate Additional Savings - Round up your paymen ts wh en possib le - Apply tax refunds or bonuses toward your principal - Review refinancin g options if rates have d ropped 6. Protect Y our Progress - Stay current on property taxes a nd insuran ce - A void missing paymentsset up autopay - Revisit your loan terms annua lly for new savin gs opportuni ti es 7. T alk to a Brooklyn Real Estate & Mortgage Pro

Connect with Peter Mancini at Pen Realty fo r tai lored gu idance pmancini@penrealty .net | 917.916.5126 - Explore more homeowner tools at https://penrealty .net