Take 5 minutes to call your lender… no really, it's easy. If your monthly mortgage payment has increased in the past year or so, it’s likely because your taxes and/or insurance have gone up. Your mortgage company likely uses a 12-month payment plan by default to pay off your escrow shortage, but they usually don't tell you that you have additional options. To help lower your payment, call your mortgage company and simply ask them if you can pay out the escrow shortage over 2-3 years. Most of the time they just say yes without any issue or pushback. A 10-minute phone call could drop your payment by hundreds. 

Ask the Tax Assessor’s Office to split your tax payment throughout the year. The first installment must be paid on or before Nov. 30. The second installment must be paid on or before June 30. Those who qualify for the over 65 or disability exemptions may pay quarterly: Jan. 31, March 31, May 31 and July 31. Taxes not paid by Jan. 31 will incur penalties and interest unless the half payment or a quarterly installment is applied to the account. Contact the tax assessor before Nov. 30. 

Triple check to make sure your exemptions are in place. The appraisal district can actually cancel your exemptions anytime without a great reason, such as, if mail they send you is returned undeliverable. This video shows how to verify your homestead exemption is in place in Tarrant County.  If you find out you need to file, this video provides the application link and, step by step instructions.

Refinance your mortgage. Money is on sale! Interests rates are low and even lower. Get free quotes from your bank, an online company, and an independent lender. Then you can confidently choose who will meet the needs of your unique situation. We always recommend and trust Alex Varela, a branch manager for

Prime Lending. He's innovative and magical to get you into your dream home. Fill out this form if you would like more information.

Ask us for a free insurance quote. Your house payment includes taxes, insurance, principle, and mortgage interest. If your payment has increased, there is a good chance your insurance rates have increased. Many people are significantly overpaying. Talk with one of our expert insurance agents on staff to get you a free quote for home and auto. We shop A-rated insurance carriers to get the best coverage for best rate. Fill out this form .

Reduce your utility costs. Chandler saved a bunch of money with Energy Ogre, so he partnered with them to offer the same service to you. 

Reduce your utility consumption.

Your monthly electricity bill is often the second-largest expense after your mortgage. Making some simple changes around your home could add up to big savings. We have 27 tips to cut energy costs here.