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Let’s talk about that mortgage renewal letter sitting on your kitchen counter. You know, the one promising a “hassle-free” renewal? Well, it might be hassle-free, but it could also be costing you thousands. Imagine buying a car without shopping around – sounds crazy, right? Yet that’s exactly what many homeowners do with their mortgage renewal.
Your current lender loves making renewal “convenient” – just sign here, don’t worry about a thing! But here’s what they’re not telling you: you have options. Better options. And with recent changes eliminating the stress test for renewals, you’ve never had more freedom to shop around.
Remember that pesky stress test from your first mortgage? It’s gone when you switch lenders at renewal. This is huge! With access to over 50 lenders, we can now find you deals that were previously off limits. It’s like having a VIP pass to the mortgage marketplace.
Think of your credit score like a garden – it needs tending before harvest time. A few strategic moves months before renewal can boost your score and unlock even better rates. And yes, those small rate differences add up to big money over time.
Got some high-interest debt hanging around? If you’ve built up equity in your home (thanks, housing market!), we might be able to roll that debt into your mortgage at a much lower rate. Think of it as a debt makeover – same debt, but looking much better in your monthly budget.
Planning to switch jobs or buy that dream car? Let’s talk timing. These changes can impact your renewal options, and knowing when to make moves can save you from renewal headaches.
Sometimes, switching to an insurable mortgage can save you money in the long run. It’s like finding a secret passage to better rates – not obvious, but worth exploring.
Need more breathing room in your budget? With 20% equity, you might qualify for a 30-year amortization. It’s like financial yoga – adding flexibility where you need it most.
Think of mortgage renewal like planning a wedding – you don’t want to start shopping for venues the week before. Nine months gives us time to:
Your lender is betting on your inertia – that you’ll take the path of least resistance. But with mortgage rates being what they are, “convenient” could be code for “expensive.”
Remember: We work for you, not the banks. Our job is to find you the best deal possible, even if that means your current lender needs to sharpen their pencil.
Ready to stop leaving money on the table? Let’s talk about your renewal strategy. After all, the best time to start saving money was yesterday. The second best time is now.
P.S. If you’re wondering whether you can do better than your current rate, the answer is probably yes. Let’s find out by how much.
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After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
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