1. Review Your Current Mortgage
Send me your renewal offer or current mortgage statement. I’ll review the balance, maturity date, rate, payment, remaining amortization and important mortgage features.
2. Understand Your Goals
We’ll discuss your plans, cash flow, risk tolerance and any changes you expect during the next mortgage term.
3. Compare Suitable Options
I’ll compare renewal, switching and refinancing strategies from the lenders available to me and explain the differences clearly.
4. Monitor Your Rate
Once we select a strategy, I will continue monitoring available options and look for opportunities to improve your rate before closing, where time and lender policies permit.
5. Complete the Transition
I’ll coordinate with the lender and other professionals involved to help keep the process organized through completion.