Many homeowners choose to continue with their current lender because they believe it saves them time. However, it is important to assess the rates and terms offered by the current lender when renewing a mortgage. I can provide guidance in this process. It is also crucial to evaluate any life changes that might impact one's finances, such as debt consolidation, using home equity, or making plans for the property. Exploring refinancing options can help pay down the mortgage faster or use the home's equity. Refinancing may be necessary to adapt to changes in interest rates, using more equity, increasing mortgage amounts,