get pre approved in my app!

Refinance & Renew

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enjoy some R&R while I find personalized, strategic mortgage solutions that actually benefit you.

Refinancing or renewing your mortgage doesn’t have to be stressful—it’s an opportunity to make your mortgage work for you, not against you. I take a strategic, personalized approach to help you unlock the best options for your financial goals, whether it’s lowering your payments, accessing equity, or consolidating debt. Together, we’ll find the perfect solution to fit your needs and set you up for long-term success.

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for seasoned home-owners and investors

Evaluate Your Debt-to-Income Ratio

Gather Financial Documents

connect with a mortgage broker

Review Your Current Mortgage Terms

Check Your Credit Score

Assess Your Financial Goals

are you ready to strategically approach your mortgage?

things to do before renewing or refinancing

the heavy lifting is on me

When we work together, you'll be taken care of from start to finish. I take on the heavy lifting so you can spend more time doing what you love.

i'll tell ya what the big banks won't

When you work with a broker, you'll receive guidance, service and education that the big banks won't give you.

the family treatment, everytime

I value community, family and connection—which is why I treat all of my clients like family.

Things to Know

1 process

how it works

Assess Your Current Mortgage

I’ll help you review your existing mortgage to identify areas for improvement, ensuring refinancing or renewal aligns with your financial goals.

2

Explore Refinancing Options

Together, we’ll explore various refinancing options to see how you can lower your rate, access home equity, or adjust your loan term to better suit your needs.

3

Submit Your Application

Once we've targeted the right mortgage, we'll make sure all necessary documents are in order. This will help speed up the approval process once your file has been submitted to the lender.

4

with you every step of the way

5

Review and Accept Your Offer

I’ll go over the terms of the offer with you to ensure you fully understand them, empowering you to make the best decision before signing.

6

Close and Finalize Your New Mortgage

Once everything is finalized, I’ll walk you through the closing process, making sure you’re all set with your new, strategically aligned mortgage.

I'll be checking in with the lender to ensure lender conditions. are signed off, and getting you to subject removal. Keeping you in the loop every step of the way ... I'm your go-to!

book a discovery call

this is your sign to work with a broker that just gets it.

Ready to start your journey?

- R.Foster

She was always willing to explain financial things that I have no clue about and was also willing to ease my mind. Tori gave us peace of mind and went above and beyond to ensure everything went smooth with our purchase. I can not stress enough what an amazing human and mortgage broker Tori is.

I am so thankful that we used Tori to help us with securing a mortgage to purchase our first home.

- C.York

Without her assistance getting our mortgage would have been very challenging. She cares about her clients and that translates into how effective she is at her role as a broker. I will be using her on all my transactions in the future after having such a wonderful experience working with her. I would feel fully confident in recommending her to all my friends and family.

My fiancé and I were fortunate enough to get introduced to Tori. She is very knowledgeable and was always attentive to our requests.

- S.Hick

Tori got back to us right away, gave us way more (and helpful) information and was super sweet the whole time! Tori noticed things that others missed, she walked us through our first home purchase and we really couldn’t have done it with out her. She was so helpful in our first home purchase

Thank you Tori, we were able to get into this market because of you! We love our new home and our mortgage rate.

From my amazing clients

Kind Words

Refinancing involves changing your mortgage terms, potentially including a new interest rate, loan amount, or term, while renewing is simply continuing with your current mortgage terms at the end of your term. Your Broker may be able to offer more flexibility and savings, depending on your goals.

Refinancing may be a good option if you want to lower your interest rate, consolidate debt, or access home equity. I’ll help you assess your goals and financial situation to determine if it’s the right choice.

You’ll need documents such as proof of income, recent tax returns, bank statements, and details about any outstanding debts. I’ll provide a checklist to make sure you have everything you need for a smooth process.

The process typically takes a few weeks, but timelines can vary based on your financial situation and the type of mortgage you’re applying for. I’ll keep you informed and work to ensure everything moves as quickly and efficiently as possible.