Does Your Mortgage Love You Back?

Written By Justin Iacoboni

Love Your Mortgage? (or is it just comfortable?)

February is all about love — and that includes your mortgage.

Most homeowners stay with their mortgage out of comfort, not because it’s still the right fit. Rates, penalties, and lender policies change over time, and what worked a few years ago may not be working as hard for you today.

Here are a few signs it might be time for a quick check-in:

Signs Your Mortgage Might Not Love You Back

  • You haven’t reviewed it in the last 12 months

  • You’re not sure what your penalty would be if you ever wanted to make a change

  • Your payment flexibility is limited (or unclear)

  • You were told to “just renew” without a real conversation

What a Healthy Mortgage Relationship Looks Like

  • Your mortgage is structured to fit your lifestyle

  • Flexibility to handle change (moves, renovations, income shifts)

  • Clear understanding of options before renewal time

  • There is a plan in place — not a last-minute decision

A mortgage review doesn’t always mean making a change. Often, it simply means knowing where you stand and whether your current setup is still doing its job.

If your mortgage hasn’t had a check-in recently, February is a great time to show it a little love.

If you’d like a quick review or have any questions, please do not hesitate to reach out!

Justin Iacoboni

I take pride in guiding clients through the complexities of securing financing. My mission extends beyond transactions; I build lasting relationships based on trust, transparency, and expert advice. With a solid grasp of the mortgage landscape, I provide personalized solutions for each individual's financial situation and aspirations. Your goals are my priority, and together we'll confidently navigate the journey of homeownership or investment success.

https://justiniacoboni.ca
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