Unlike banks, where staff handle various tasks, the Home Happy Team focuses solely on mortgages. We guide you through the entire process—from application to closing and beyond. Banks typically don’t manage your mortgage post-closing or alert you to better options. 

At Home Happy, we’re dedicated to helping you pay off your mortgage faster and finding the best mortgage products for you as your needs evolve.

With our monthly digest, we keep you up-to-date on your mortgage status—

showing you how much you've paid down, your home’s current value, and the equity you've built. This personalized summary even gives insights into how much you might qualify for if you’re interested in purchasing another property.

Yes! Even when selling, it's essential to get pre-approved if you're planning to buy a new home. This way, whether you're upgrading or moving to a new property, you’ll know how much financing you qualify for and can plan your next steps confidently.

Just like you’d drive to save on gas, taking 20 minutes to review your mortgage renewal could save you thousands over the term. 

A mortgage plan ensures you’re getting the best rates and terms, so you don’t miss out on substantial savings.

A fixed-rate mortgage locks in your interest rate for the entire term, typically five years, so your payments stay consistent. A variable-rate mortgage is linked to the prime rate, so your rate—and potentially your payments—can go up or down. While variable rates are usually lower, they come with added risk. 

At Home Happy Team, we help you create a mortgage plan that aligns with your financial goals, whether fixed or variable is best for you.

Accelerated payments can reduce your mortgage faster than monthly payments. For example, instead of paying $1,000 monthly (totaling $12,000 a year), paying $500 bi-weekly leads to $13,000 annually. 

That extra payment helps lower your mortgage principal and reduces the overall amortization period.

A prepayment privilege allows you to make extra payments on your mortgage, often as lump sums or periodic amounts, depending on your lender’s terms. 

These additional payments can significantly reduce your mortgage balance and help you pay off your loan faster, saving you money on interest in the long run.

Yes! If you have substantial home equity but need more cash flow for things like helping your children or enjoying new experiences, there are solutions that can help. 

The Home Happy Team offers options that make use of your home’s equity to support your goals. Reach out to learn more about these solutions and how they could work for you!

Changes like expanding your family or starting a business are thrilling, but they require a solid plan to turn dreams into reality. At Home Happy, we’ll help you map out a strategy tailored to your evolving needs, ensuring you’re set up for success in every step of your journey. 

Let’s build a plan to support your dreams together!

Many people have significant equity in their homes but may not qualify to access it due to retirement or other income limitations. At Home Happy, we offer tailored solutions to help families leverage this "house rich, income poor" situation to support younger generations with their home-buying goals.

 We're happy to discuss options with you and your family to find a pathway that makes this dream achievable!

When your mortgage term is ending, it's a great time to explore your financial options without penalty. Whether you're considering investing, renovating, or consolidating debt, refinancing your mortgage at renewal can give you access to funds and help set up a plan that aligns with your goals. 

Our team at Home Happy can guide you through the possibilities and tailor a mortgage plan that works best for your future.