Renewal notices usually land 90–120 days before your mortgage matures — and most homeowners just sign what's in the envelope. A five-minute check tells you whether that number is actually competitive.
An illustrative example — not a quote. Your actual numbers depend on your balance, amortization, credit, and the lender at the time you renew.
Your current lender's renewal letter is priced to keep you, not to compete for you — there's often room to do better elsewhere, or even with the same lender if you ask.
Renew with your existing lender and you typically don't requalify under the stress test. Switch lenders, and you do — worth knowing before you decide which way to go.
Consolidating higher-interest debt or accessing equity at renewal time can be more efficient than doing it separately later.
Shopping your renewal doesn't affect your current mortgage unless you decide to move. Worst case, you confirm your lender's offer was already fair.
Your maturity date, balance, and what you're hoping to accomplish — renew, refinance, or something more specific.
A same-lender and market comparison back in your inbox within one business day, in plain numbers.
Stay, switch, or refinance — whatever makes sense once you can actually see the comparison.
Takes about two minutes. A licensed mortgage professional will follow up directly — no automated sales calls.