10/20/2026
Winter is a natural time of year to reflect on the past and turn your eyes toward the future. For homeowners, that often involves taking stock of whether your current mortgage rate makes sense for your current situation.
It's easy to assume you’re stuck with the rate you locked in years ago, but that isn't always the case. Rates have shifted considerably since the late 2010s and early 2020s. Additionally, it’s possible that your financial situation has shifted as well.
So, if your credit has improved since you first purchased, if your home has built more equity than you might expect, or if primary mortgage insurance (PMI) is still part of your payment when it may no longer be necessary, it's worth taking a few minutes this season to see where you stand. If you'd like to talk through your situation this season, we'd be glad to help. Reach out anytime.