Hey {first_name},
 
In 2018, nearly half of home owners are expected to renew their mortgages.
 
At the same time, mortgage rates are steadily [increasing/decreasing]. So the question is,
do you sign on the dotted line now or shop around for new rates?
 
If your mortgage is up for renewal this year, here are 5 things to consider:
 
1. No two lenders are the same.
 
Before you make any commitments, shop around to see at what other lenders have
to offer. There may be better rates and terms out there for you than what your
current lender is offering. A mortgage advisor can show you what other options are
more suited to your needs.
 
2. Your mortgage should meet your needs.
 
Reassess your current needs to determine if your mortgage still meets your
requirements. Do you have kids going to college soon and you need to pull equity
out of your home to fund their tuition? Has your salary increased and you’re able to
put more money towards your mortgage payments? If your personal finances have
changed over time, it’s wise to research what other mortgage plans are out there
that may be better suited to your needs.
 
3. There is more to a mortgage than just the rate.
 
Yes, the rate is important. But there are also terms in the contract that you should
consider before making any moves. If you’re not familiar with the conditions, talk to
me to go over these with you to ensure you’re making the right decision.
 
4. Negotiation is key.
 
The rate being offered by your lender is only a starting point for negotiations. A
Mortgage Broker can show you all the discounted rates on the market so you have
more options and more negotiating power. If they are not willing to negotiate, you
will be armed with all the information you need to choose a better mortgage plan
with another lender.
 
5. Breaking out of your mortgage may come with a penalty.
 
To determine if it’s worth ending your current agreement to get better rate on a new
one, it’s best to talk to an advisor who’s got some nifty math skills. A professional
can calculate any associated fees with breaking out of a contract early and compare
the overall cost savings of taking on a new rate.
 
I’ve helped many people get lower rates on their home loan to meet their financial goals.
 
Allow me to walk you through the mortgage process step-by-step and find you the best
rates and terms for you.
 
Sincerely,
 
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