The Annual Mortgage Review
Your home is likely your largest asset, and your mortgage is your largest liability. Managing them once a year is the difference between "paying a bill" and "building wealth."
The Expert Advice
We recommend a 15-minute "checkup" every year. We look at your current interest rate, your home's new value, and your current debt. Often, we find ways to cancel PMI or shorten your term without increasing your payment.
Common Mistakes
The "Set it and Forget it" trap. Many homeowners pay Private Mortgage Insurance (PMI) for years after their home has gained enough value to cancel it. That's $100-$300 a month thrown away.
PMI Removal
If your home value has increased, you might be able to remove PMI without even refinancing. We'll show you how.
Debt Analysis
High-interest credit cards? We can compare your current mortgage to a cash-out option to see if you can save $1,000+ per month.
Rate Check
Market rates fluctuate. We monitor the FRED data daily to tell you exactly when it's time to pull the trigger on a refi.
Annual Review Framework
- 1Check Current Equity
We run a "soft" valuation on your home. If you have 20% equity, we look at PMI removal.
- 2Review Life Changes
New job? New baby? Planning to move in 2 years? Your mortgage strategy should change with your life.
- 3Market Comparison
We compare your current note to today's market. If the "math works," we present a plan.