A lot of my business is renewals. It is tempting to sign the renewal letter a lender sends but by doing so you may not be getting the best mortgage. The rate may be higher than market, it may not even be the lender's best offer or the terms/fine print could cost you significantly if you need to break the contract mid-term. Let me review your specific situation when your mortgage renews, the service is free and then you can be certain about the path you are on.
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