You get your car serviced and your teeth checked every year — your mortgage deserves the same. It's likely your largest monthly expense, and a lot can change in twelve months: rates, your home's value, your equity, even your goals. A short annual check-up catches the opportunities most homeowners miss.
Here's what we look at together once a year.
Your yearly check-up checklist
Can you drop your mortgage insurance?
If your home has gained value or you've paid the balance down, you may have reached the equity needed to remove PMI (conventional loans). That can cut a real chunk off your payment — and it doesn't always fall off automatically.
Does a refinance make sense now?
Rates move. We compare your current rate to today's market, factor in closing costs and how long you'll stay, and find your break-even — so you only refinance when the math actually wins.
How much equity have you built?
A rising home value plus a year of payments can add up to real equity. Knowing your number tells you whether a HELOC, HELOAN, or cash-out is even on the table — and how much you could access.
Did your escrow, taxes, or insurance change?
Property taxes and insurance premiums shift yearly, and your escrow payment adjusts with them. We check whether a jump (or a shortage) is coming so it doesn't catch you off guard.
Would extra principal or a recast help?
If you've got room in your budget or a lump sum, paying down principal — or recasting to lower your payment without a full refinance — can save serious interest. We'll run whether it's worth it for you.
Have your goals or life changed?
A growing family, a move on the horizon, a new investment goal, an inheritance — life events change the right strategy. The check-up keeps your mortgage aligned with where you're actually headed.
It only takes a few minutes
You don't need to do anything before we talk — I'll pull the current numbers and walk you through what, if anything, is worth acting on. Most check-ups end with "you're in great shape," and the ones that don't usually uncover real savings.
Why it's worth the few minutes
Most homeowners set their mortgage once and never look at it again — and quietly leave money on the table for years: PMI they could have dropped, a refinance window they missed, equity they didn't know they had. A yearly check-up is the simplest habit to make sure that never happens to you.
It's free, it's quick, and there's no obligation. The only goal is making sure your largest financial commitment is still working in your favor.
Ready for your annual check-up?
Let's spend a few minutes reviewing your mortgage and see if there's money to save or equity to put to work — no pressure, just a clear picture.