Core Insights - The article discusses effective mortgage hacks that can help borrowers save money on their mortgage payments and interest over time [2] Group 1: Effective Mortgage Hacks - Hack 1: Shop Like a Lender - Borrowers should compare loan estimates from multiple lenders to find the best deal, focusing on the federally required loan estimate document which shows actual rates, fees, and total costs [4][5] - Hack 2: Check Different Pricing Incentives - Different lenders offer various pricing incentives, and borrowers should explore all options, such as appraisal waivers, to ensure they are not overpaying [6] - Hack 3: Choose Lowest Total Interest Paid - Selecting the loan offer with the lowest total interest for the expected duration of the loan is crucial. Borrowers should use an amortization calculator to assess interest costs based on their anticipated loan duration [7]