{"id":9989,"date":"2026-09-19T14:00:00","date_gmt":"2026-09-19T21:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=9989"},"modified":"2026-09-19T14:00:00","modified_gmt":"2026-09-19T21:00:00","slug":"smart-tips-to-save-thousands-on-metro-mortgages","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/smart-tips-to-save-thousands-on-metro-mortgages\/","title":{"rendered":"Smart Tips to Save Thousands on Metro Mortgages"},"content":{"rendered":"
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It's surprising how many homebuyers in major U.S. cities end up overpaying on their mortgages\u2014on average, about $3,300 a year just in extra interest and fees. In some coastal metros, that number rises to $8,100 annually. More than 80% of borrowers are paying more than they need to, often because they don\u2019t shop around for different lenders. As someone passionate about helping the Phoenix community make smart, stress-free real estate decisions, I see firsthand how being proactive\u2014especially when it comes to comparing mortgage quotes\u2014can have a real impact on your financial well-being. My goal is always to help you see real estate as a practical way to build wealth and avoid unnecessary costs, so you\u2019re set up for a more comfortable future.<\/p>\n

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It's surprising how many homebuyers in major U.S. cities end up overpaying on their mortgages\u2014on average, about $3,300 a year just in extra interest and fees. In some coastal metros, that number rises to $8,100 annually. More than 80% of borrowers are paying more than they need to, often because they don\u2019t shop around for […]<\/p>\n","protected":false},"author":1,"featured_media":9990,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2B7","jetpack-related-posts":[{"id":9995,"url":"https:\/\/lisamillerpllc.com\/staging\/715000-land-contracts-recorded-nationwide\/","url_meta":{"origin":9989,"position":0},"title":"715,000 Land Contracts Recorded Nationwide","author":"admin","date":"September 21, 2026","format":false,"excerpt":"Land contracts\u2014sometimes called contracts for deed\u2014have seen over 715,000 recordings nationwide. For buyers who don\u2019t qualify for a traditional mortgage, these seller-financing arrangements often feel like the only option, especially for lower-cost homes, manufactured homes, rural properties, or those older fixer-uppers. But it\u2019s important to know: land contracts generally come\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/expanding-mortgage-access-remotion-videos-d1cd_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9269,"url":"https:\/\/lisamillerpllc.com\/staging\/7-things-to-know-about-comparing-mortgages\/","url_meta":{"origin":9989,"position":1},"title":"7 Things to Know About Comparing Mortgages","author":"admin","date":"February 22, 2026","format":false,"excerpt":"To navigate mortgage shopping, it helps to review your credit report and understand how debt-to-income ratio is commonly evaluated. Down payments can affect loan terms and upfront costs, though rates and fees vary by market and individual factors. Fixed and hybrid mortgages work differently, and the right fit often depends\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9841,"url":"https:\/\/lisamillerpllc.com\/staging\/homes-away-from-home-cities-with-the-most-vacation-property-mortgages\/","url_meta":{"origin":9989,"position":2},"title":"Homes Away From Home: Cities With the Most Vacation Property Mortgages","author":"admin","date":"August 8, 2026","format":false,"excerpt":"In 2025, U.S. mortgage lenders originated about 93,000 loans for second homes, a 3.9% increase from 2024. New York led with 2,706 loans, followed by Phoenix, Miami, North Port, and Riverside. Median second-home values rose 25.3% to $495,000, while median borrower income increased 40.1% to $255,000. Nearly all loans (99.89%)\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9800,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-buyers-may-be-overpaying-mortgages\/","url_meta":{"origin":9989,"position":3},"title":"Phoenix Buyers May Be Overpaying Mortgages","author":"admin","date":"July 22, 2026","format":false,"excerpt":"A new US analysis found nearly nine in 10 homebuyers paid more than necessary because they did not secure the most competitive mortgage offer. The typical borrower spent >$3.3K extra each yr, and over a 30-yr loan that gap reached ~$78K in added mortgage costs overall. For many buyers in\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/homebuyers-overpay-mortgage-remotion-videos-b551_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9920,"url":"https:\/\/lisamillerpllc.com\/staging\/cheaper-mortgages-wont-fix-us-housing\/","url_meta":{"origin":9989,"position":4},"title":"Cheaper Mortgages Won\u2019t Fix US Housing","author":"admin","date":"August 26, 2026","format":false,"excerpt":"Federal housing policy long favored cheaper financing, but the new law signaled a shift toward easing construction, streamlining reviews, and supporting more homebuilding. The core issue was supply: when too few homes exist where demand is strongest, limiting certain buyers can change ownership, but not create homes. The law's most\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/cheaper-mortgages-housing-remotion-videos-4c84_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":10018,"url":"https:\/\/lisamillerpllc.com\/staging\/us-mortgage-costs-hit-14-month-high\/","url_meta":{"origin":9989,"position":5},"title":"US Mortgage Costs Hit 14-Month High","author":"admin","date":"September 30, 2026","format":false,"excerpt":"Mortgage costs have reached a 14-month high, and that\u2019s putting extra pressure on buyers across the country. By late Q3, the typical monthly payment rose to $2,600 as mortgage rates climbed and median sale prices held steady\u2014now around $399,000, up about 2% from last year. That combination is making affordability\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/mortgage-costs-high-remotion-videos-de5b_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/1-6.jpg?fit=1080%2C1080&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9989"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9989\/revisions"}],"predecessor-version":[{"id":9991,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9989\/revisions\/9991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9990"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}