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Our Team Found $22,452.85 in Savings for a Client—Could You Be Next?




At our core, we’re committed to helping our clients save as much money as possible. Today, I want to share a story that highlights how our dedication and expertise can make a significant financial difference. Let’s talk about how we recently helped a client save an impressive $22,452.85!

Let’s call our clients Ronald and Natalie, for privacy reasons (and yes, those are also the names of my kiddos!). Ronald and Natalie purchased their first home in October 2023, a time when mortgage rates were at their peak. Like many first-time buyers, they were anxious about the future, so they opted for a 5-year fixed-rate mortgage to protect themselves against potential rate hikes.


Even though they locked in a higher rate, they still made a smart move by getting into the market when they did. Here’s why:


  • The home they purchased has already increased in value.

  • They didn’t face any competition from other offers.

  • They secured the closing date they wanted.

  • They had the opportunity for multiple visits before closing, along with a home inspection and a financing condition.

  • They were able to buy the home for much less than if they had waited, which gave them extra funds for a down payment or in their case upgrades.


Now, fast forward to today. I reached out to Ronald and Natalie to let them know about a unique opportunity in the market. Despite having a fixed-rate mortgage, they could pay a 3-month interest penalty and secure a significantly lower rate than the one they locked in last year. Even with the penalty and a small legal fee, they’ll save a whopping $22,452.85 over the remaining 48 months of their term. This is a small gap or sweet spot however that could change any moment based on their current lender's terms and policies.


This is a prime example of how timing and a well-informed strategy can lead to substantial savings. If you’re currently in a mortgage with a rate of 5.5% or higher, now could be the time to act. Send me a copy of your most recent mortgage statement, and let’s do a full review. Whether you’re an existing client or new to our services, I’m here to help you navigate the complexities of mortgage rates, penalties, and lender policies.


On the other hand, if you’ve secured a rate lower than 5.5%, that’s fantastic news! Maybe you know someone who might benefit from this information, don’t hesitate to connect us. As a token of appreciation, if I end up speaking with your friend or family member about their mortgage, you’ll be entered into our monthly "Win Your Mortgage Payment" contest, where you could win up to $2,500.


Savings like these don’t come around every day, so take advantage of this opportunity while it lasts. Could you be our next success story? Let’s find out :)

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