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Worried about a higher rate for your mortgage renewal? Here are your options

A renewal notice with a higher payment can feel final, but homeowners have room to compare and negotiate their mortgage before they sign.

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Q: Our mortgage renews in October, and we recently received renewal documents from our lender. When we saw how much higher the rate is, we used our lender’s online calculator to see what the new rate will do to our payment. My wife and I have no idea how we’ll come up with the extra money. We’re already stretched with two kids in daycare, and I keep picturing us falling behind on other bills just to cover the new amount. We don’t know what our options are at this point, or if we have any. Do you have any suggestions? ~Derek

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