If you’re planning to just sign your lender’s renewal letter, you could be leaving money on the table. We can negotiate a better deal — or find you a better lender.
Start early
Ideally, reach out four to six months before your renewal date. That gives us time to shop the market and, if a better rate is out there, hold it for you.
Your renewal is a fresh start
Renewal is the one time you can switch lenders without a penalty. It’s also a good moment to rethink your term, fixed vs. variable, payment schedule and amortization, so your mortgage matches where you’re headed next.
We do the heavy lifting
We’ll compare your lender’s offer against the market, handle the paperwork if you switch, and walk you through the decision in plain language.