What can I plan for to save money on my mortgage?

I reopened the question after getting the author's permission to help rewrite the question. Please feel free to comment or edit away and make it better.

Also, I don't mean to override the community with the reopen, so if this question needs to go back to the closed status I will do it.

I mostly wanted to highlight KeithS's good answer.

+1 for taking the effort to re-write :) – Dheer Feb 27 '13 at 10:33
Yes I agree with @Dheer -- I applaud your patience and efforts in rewriting! – Aarthi Feb 27 '13 at 22:08

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