08/07/2026
Do you know the exact date your mortgage renews?
Most people don’t. And that’s completely fine right up until the letter shows up.
Here’s what actually happens. The renewal offer lands about a month out. You’ve got a few weeks, life is busy, and signing it is so much easier than starting over. So you sign. And the whole thing gets decided by whoever mailed you a form.
The people who do well at renewal aren’t smarter or more organized. They just started looking four to six months early, so they had room to actually think. What’s changed since they last signed. What they’re planning over the next five years. Whether the lender they’re with still fits the life they have now.
And here’s the part almost nobody knows. The rate is usually not what costs people. It’s the penalty structure if they ever need to break early. It’s how much they’re allowed to pay down each year. It’s whether the mortgage travels with them if they sell.
Nobody reads that stuff until they need it, and by then it’s signed.
So I’m doing free mortgage reviews. A quick five minute call to get the basics, then fifteen minutes where I walk you through what I found. No cost, nothing to sign, no pressure either way. And if your mortgage is already in good shape, I’ll tell you that straight.
Whether you renew next spring or in 2031, it’s worth knowing where you stand.
📌 Save this for when your letter shows up.
💜 Send it to someone who bought in 2021 or 2022. They need it more than you do.
Call or text me at 226-270-7272, or comment 💜 and I’ll reach out.
Tiphereth Straker, Licensed Mortgage Agent Level 2 (M21004493)
Heart & Soul Mortgages · BRX Mortgage Inc. · FSRA 13463
