Renewals & Smart Refinancing: Planning Ahead for Your Next Mortgage Move

Planning Ahead for Your Next Mortgage Move

A few years after their purchase, the Smiths began thinking about their upcoming mortgage renewal.
Instead of waiting for their lender’s notice, they reached out early—and it paid off.

Why Early Renewal Planning Matters

Most lenders send renewal offers just weeks before your term ends.
By that point, you may feel rushed to sign whatever is in front of you.
That’s why I proactively track renewal dates for every client and start the conversation months in advance.
With early planning, you can:

• Compare current market rates across multiple lenders

• Lock in a lower rate before potential increases

• Negotiate terms that match new goals, like faster payoff or more flexibility

When Renewal Isn’t the Only Option

During our check-in, the Smiths discovered another opportunity:
refinancing to tap their growing home equity.
Instead of simply renewing, they accessed a portion of their equity to fund a major renovation—all while keeping their payments manageable.

Tools That Make It Easy

Our process includes:

• Up-to-Date Home Equity Calculations – Know exactly how much equity is available today.

• Real-Time Rate Information – Compare renewal vs. refinance scenarios side by side.

• Personalized Savings Estimates – See how each option impacts monthly payments and long-term interest costs.

Your Next Step

Whether you’re a year from renewal or just curious about your equity,
it’s never too early to explore your choices.
I’ll guide you through every scenario so you can decide whether to:

• Renew with confidence

• Refinance to access cash

• Blend, extend, or restructure for maximum savings

Bottom line:
Your mortgage should evolve with your life.
By planning early and understanding your equity,
you can capture savings, fund projects, and stay in control of your financial future—long before the renewal date arrives.