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Don’t just sign your renewal letter.
Your lender’s offer is a starting point, not the best deal. A free renewal review shows whether to stay, negotiate or switch, before your money is locked in for another term.
Start comparing
120 days before
Decide
90 days before
Paperwork done
30 days before
Renewal day
No gap, no surprises
Your options
Three ways to renew.
Option 1
Stay and negotiate
Keep your lender, but with a better rate than the letter offers.
Option 2
Switch lenders
Move your mortgage to a lender with a better rate or terms, often at no cost to you.
Option 3
Refinance
Change the amount or amortization to consolidate debt or fund a project, penalty-free at renewal.
Why review
Signing without comparing can cost you.
Offers aren’t always the best rate
Existing clients who sign right away can pay more than new clients.
Switching is easier than you think
On a straight switch, the new lender often covers legal and transfer costs.
Renewal is your chance to restructure
It’s the one time you can change your mortgage without a penalty.
Get started
Send me three documents.
That’s all I need to tell you whether your offer is fair and what switching could save.
Your renewal letter or latest statement
Your most recent property tax bill
Proof of income, such as a recent pay stub
Free tool
What is a better rate worth to you?
Renewal questions
Good questions, plain answers.
Don’t see your question? Ask me directly.
When should I start?
Do I need to requalify to switch?
What does switching cost?
My renewal date has passed. Now what?
Renewing in the next six months?
Send me your renewal letter and I’ll tell you whether it’s a fair offer.
Free
No obligation
No credit check to start