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Step ten and beyond

Afterclosing.

Your bank makes more when you overpay, so nobody there is going to call and say rates dropped. We will. Here's everything that keeps happening after your mortgage funds, for as long as you own the place. None of it costs you a thing.

What's included →Just want the renewal nudge?
In your corner, not the bank's

What happens next, depending on who you called.

Nothing here is a knock on bankers. It's just how their incentives point: after the mortgage funds, the quieter you are, the better they do. Ours point the other way.

When… Your bank Hello
Rates drop after you closeSilence. Their approval is their approval.Monthly report flags it, with the math on whether a move pays.
Your home gains valueYou find out when you sell.Equity tracked monthly, so you can actually plan with it.
Something changes in your lifePress 4 for mortgages.Annual review with the same person who did your file.
Renewal is comingA letter 30 days out, priced for people who don't shop.A nudge at 6 months, another at 120 days, and a whole-market comparison.
The letter isn't the best dealAuto-renew if you don't reply.We negotiate, or move you with no penalty at maturity.
The first term, on us

Here's how the next five years go.

Most mortgages go quiet the day they fund. Yours has a calendar. This is a 5-year term; shorter terms just get here sooner.

  1. 1
    Closing day

    Keys. Playlist. Confetti, probably.

    You sign, the lender sends the money, the keys are yours. We make a proper fuss. Then the part most brokers skip begins.

  2. 2
    Month one

    Your first Homeowner Report lands.

    Home value, equity, your rate against the market. It'll say you're fine. It's the habit that matters.

  3. 3
    Every month after

    Same report, fresh numbers.

    We keep checking your rate against what's out there. Most months, nothing to do. The month there is, you'll know first.

  4. 4
    Your first anniversary

    Annual Mortgage Review.

    A short call about what's changed and whether the mortgage should change with it. Repeats every year you own the place.

  5. 5
    Six months before renewal

    Renewal Reminder, part one.

    A friendly heads-up that the end of your term is coming, with what to start thinking about.

  6. 6
    120 days out

    Renewal Reminder, part two. Renewal Defense begins.

    Rates can be held from here. We start shopping your renewal against the whole market before your lender's letter is even printed.

  7. 7
    Renewal day

    Sign or switch. Either way, on purpose.

    Same lender at a better rate, or a new one with no penalty and legal costs usually covered. Then a new term, and the cycle starts again. We're still here.

What's included

Four things your bank won't do.

Every one of these is switched on for every Hello Mortgage client the day the mortgage funds. No sign-up, no upsell, no "premium tier."

01 · Included

Monthly Homeowner Reports

Your house, your rate, your equity. Every month. Without asking.

Once a month, a report lands in your inbox with your home's estimated value, the equity you've built, what's happening on your street and, the part nobody else does, your rate held up against what's available right now. Most months it's a quiet "you're fine." The month it isn't, you hear from us with the math, not a pitch.

  • Home value and equity, updated monthly
  • Your rate vs. today's market, in plain English
  • An alert when a move would leave you ahead after the penalty
  • Powered by Ownwell, read by a human

Your lender's incentive runs the other way: the longer you don't notice, the more they make.

02 · Included

Renewal Defense

The letter arrives. Don't sign it. Send it to us.

Renewal letters are priced for people who don't shop. Forward yours and we compare it to the whole market in about a day. If your lender is close, we negotiate. If they aren't, we move you, no penalty at maturity, legal costs usually covered. And if the letter is genuinely the best deal going, we'll tell you to sign it and mean it.

  • Whole-market comparison in about a day
  • We negotiate with your current lender first
  • Switch with no penalty at maturity
  • An honest "sign it" when the letter is the best deal

Banks count on a 30-day window and a busy life. We take that window back for you.

03 · Included

Annual Mortgage Review

Life changes. Once a year, we check the mortgage still fits it.

A short call around your closing anniversary. What's changed since we last talked: income, family, debts, plans, the basement you keep talking about. Then whether the mortgage should change with it. Sometimes that's a prepayment move or a HELOC for the renovation. Often it's "you're good, see you next year." Either way, somebody looked.

  • Fifteen minutes, on us, once a year
  • Prepayment, HELOC and refinance timing, reviewed
  • Penalty math on your numbers before any decision
  • The check-in your bank schedules for never
Run the 2-minute checkup →
04 · Included

Renewal Reminder

Six months out. Then 120 days. So you're never signing under pressure.

Set it once and we nudge you twice: six months before your term ends, then again at 120 days, the window when a new rate can be held. That's all the runway you need to shop calmly instead of signing whatever showed up in the mail. Works whether or not we arranged your current mortgage.

  • Two nudges: 6 months and 120 days out
  • Lines up with the rate-hold window
  • Open to anyone with a mortgage, not just clients
  • Takes about a minute to set
Set my reminder →
Not a client? Doesn't matter.

Renewal letter in hand? Don't sign it yet.

Send it over and we'll tell you honestly, in about a day, whether it's a good deal or a bank hoping you're busy. If it's good, we'll say so. If it isn't, you just found a few thousand dollars in your mailbox.

Get a second opinion →Not due yet? Set the reminder
Good questions

After closing, answered.

No. Every service on this page is included for every Hello Mortgage client. The lender pays our fee when your mortgage funds; the looking-after is part of the deal.
They're powered by Ownwell and delivered monthly: your home's estimated value and equity, your local market, your purchasing power, and your rate against what's available right now. If a move would leave you ahead after the penalty, you hear from us with the math.
Don't sign it yet. Send it to us. Renewal Defense compares it to the whole market in about a day, negotiates with your current lender if it's close, and handles the switch if it isn't. If the letter is genuinely the best deal, we'll tell you to sign it.
Yes. Set it once and we'll nudge you six months out and again at 120 days, whether or not we arranged your current mortgage. And if you'd like a second opinion on the letter when it comes, send it over.
Close, but no. RateWatch+ runs between your approval and your closing day: if your lender's rate drops in that window, we go back and negotiate the lower one for you. Once the mortgage funds, the Monthly Homeowner Report takes over the watching. Between the two, there's no gap.
No. The report only flags a move when you'd be ahead after the penalty, and you see that math before anything happens. Most months the answer is "you're fine," and we're comfortable saying so.
Nothing. If your mortgage funded with us, the reports, the review and the renewal nudges are already running. The only thing we'll ever ask of you is to forward the renewal letter when it shows up.

Let’s make your mortgage make sense.

Already a client and something changed? New job, new baby, a move on the horizon, a renewal letter in the mail. Text us and we'll rerun the numbers. Not a client yet? Start with a conversation. No pressure, no mortgage-speak.

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