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Thanks @businessinsider and @katiedwarren for bring to light this helpful info! Here is my quote: "Putting a larger down payment could significantly reduce your monthly spending on your mortgage," Hedrick said. "It’s okay to ask for outside help, like a gift for a down payment if it will help you obtain homeownership faster."
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Refinancing to a loan with a lower rate means you could get a lower payment as long as you don’t shorten the length of your mortgage term. stop paying for private mortgage insurance (PMI) – If you put less than 20% down on your original home loan, chances are you’re paying for PMI.
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