We shop your renewal
Banks count on you signing the first offer. We compare the whole market to beat it.
When your term ends, your lender sends a renewal offer that is rarely their best rate. My Future Mortgage shops your renewal across 50+ lenders so you keep your payments competitive. Switching at renewal is often penalty-free, and we handle the paperwork.
Banks count on you signing the first offer. We compare the whole market to beat it.
At renewal you can usually move lenders with no prepayment penalty — only minor switch costs, often covered.
Renewal is the perfect time to change your term, amortization, or payment frequency.
We reach out 120 days before maturity so you never get rushed into a bad rate.
No. At renewal you are free to switch lenders, and doing so is often penalty-free. Switching can secure a lower rate than your bank's renewal offer.
Start about 120 days before your maturity date. Most lenders let you lock a rate that far out, protecting you if rates rise before renewal.
Rarely. Renewal offers are typically above the lender's best available rate because they rely on convenience. Shopping the market — or having a broker do it — usually beats it.