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Most homeowners stay with their existing mortgage lender! 

Why? Because they believe it is too time consuming to get a better mortgage rate.

If your mortgage renewal is fast approaching (120 or less days away), then now is a great time to look at the many excellent options and competitive rates available. Did you know Lenders send out renewal forms just prior to renewal dates to those with good payment histories, 70% of homeowners send it back without asking any questions!

Life is hectic in today's world, it can be easier to just sign on the dotted line.   My recommendation is to ask yourself some questions before signing. Renewal time is an important moment of opportunity. This is where an independent mortgage professional like myself can help offer advice and options to help you get ahead!  Advice is Free!

Maybe your mortgage needs have changed?

Renewal time is a great time for change. For example, you may want to consolidate high interest debt in with your mortgage or you may want to tap some of your home equity for a renovation project? Maybe you have a child going off to college that you want to help buy a home. Are you confident you will get the best rate at renewal from your current lender?

Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. We deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means significant negotiating power behind finding the best mortgage to fit your specific situation.

Ask Nereda First, to review your renewal with you, share the current interest rates and advise on all your options.