06/19/2026
Many homeowners are surprised when it’s time to renew their mortgage.
Even if you haven’t borrowed more money, your monthly payment can go up if interest rates are higher.
The good news? You may have more options than you think.
Depending on your situation, you may be able to:
• Renew with your current lender
• Shop for a better rate
• Refinance
• Extend your amortization
• Downsize if it better fits your goals
The best time to explore your options is before your renewal date, not after.
If you’re wondering whether staying, moving, or downsizing makes the most financial sense, I’d be happy to help you understand your home’s current value and how today’s market could affect your options.