Banks will offer to renew your mortgage 90 days before it is up, but watch out. They will want to charge a premium over the current rate because they are "guaranteeing" your rate in 90 days. Rates only move up 20% of the time, but you will wind up paying a higher figure for up to 5 years.
Talk to me to find out how low your rate could be. A full service mortgage broker can beat bank rates.
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