Typically, you
should start 2 to 3 months prior to any fixed rate or the interest-only term
expiration.
This usually
provides enough time to research your options and leave enough time to complete
a refinance to a new lender should that be necessary.
Of course,
if you expect your borrowing capacity or circumstance to change, you might need
to begin sooner.
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Jason Gwerder
Wednesday, 26 April 2023