Hi Reader,

Happy Monday! ☕ If you’re a homeowner, your mortgage isn’t just a monthly bill—it’s a powerful financial tool that can help you build wealth, lower costs, and plan for the future.

Not sure where to start? Here are 3 smart ways to make your mortgage work for you in 2025:

💰 1️⃣ Pay Your Mortgage Off Faster (Without Feeling It!)

You don’t have to commit to a 15-year mortgage to pay off your home early.

🚀 Easy tricks to shave YEARS off your loan:
✅ Make bi-weekly payments instead of monthly (this adds 1 full extra payment per year!)
✅ Round up your payments (Example: Instead of $1,600, pay $1,650)
✅ Apply tax refunds or work bonuses to your mortgage principal

💡 Pro Tip: Even an extra $100/month could save you thousands in interest over time!

🏡 2️⃣ Remove Private Mortgage Insurance (PMI) & Lower Your Costs

If you put less than 20% down, you’re likely paying PMI—an extra fee that protects the lender (not you).

🚀 Here’s how to remove it:
✔️ Check your home’s current value—you may have hit 20% equity already!
✔️ Contact your lender to see if you qualify for PMI removal.
✔️ If your value is higher than you thought, we can discuss your best options.

💡 Want a quick home value estimate? Reply with your address, and I’ll run the numbers for you—no strings attached.

🛠 3️⃣ Use Your Equity for Smart Home Upgrades

Your home equity could be a great way to invest in renovations that increase value—without draining your savings.

💡 Best ROI home improvements:
✔ Kitchen remodels 🍽
✔ Energy-efficient upgrades (new windows, solar, etc.) 🌱
✔ Bathroom upgrades 🚿

📩 Want to explore options? Let’s talk about how to leverage your home’s value smartly.

📲 Want Exclusive Homeowner Tips?

Join my Homeowners Text Club for the latest mortgage insights & homeowner strategies.
👉 Join Here

🏡 Thinking about making moves with your mortgage? Whether it’s lowering your payments, paying off your home faster, or making smart improvements, I’m here to help. Let’s chat!

📲 Call or text me anytime at [Your Phone Number].
📩 Or just reply to this email—I’m happy to answer any questions!

Talk soon,

James McKibban

Mortgage Expert

Refer a friend

💬

Group text with James McKibban directly at: 949.302.6620

📱

Call James: 949.302.6620, 7 days a week, 5:30 a.m. – 9 p.m.

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Homeownership · Equity · Savings · Market Trends

24 Corporate Plaza Ste 190, , Newport Beach, CA 92660
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The information provided in this email and associated content is for educational purposes only. It does not constitute financial advice, legal advice, or any other form of professional advice. While we strive to provide accurate and timely information, the financial landscape can change rapidly. Therefore, we recommend consulting with a qualified professional before making any financial decisions based on the content of this email. Any references to specific financial products, services, or companies are purely illustrative and should not be interpreted as endorsements. We do not endorse or promote any specific products or services mentioned in this email. We do not offer mortgage, loan, or refinancing services directly through this platform. For personalized financial advice or assistance, please consult with a licensed professional or financial advisor.

James McKibban | The Lion on Loans Newsletter

🏡 Your Mortgage Can Do More Than You Think—Here’s How