Renew Your Mortgage with Confidence
Your mortgage term is coming to an end—now is the perfect time to reassess your options. At Beam, we’ll help you find the best rates and terms so you can renew with confidence and save money.
Renewal Made Simple, Savings Made Easy
1. Evaluate your needs
Let’s review your current financial situation and goals to determine the best mortgage structure for you.
2. Compare options
We’ll shop the market for competitive rates and terms, ensuring you don’t settle for the first offer.
3. Choose the right mortgage
Whether you stay with your current lender or switch to a new one, we’ll guide you through the process seamlessly.
4. Secure your renewal
Finalize your renewal with confidence and enjoy the peace of mind that comes with the right mortgage.
Do I qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Start your journey today
Your dream home is closer than you think! Let us help you find the perfect mortgage solution to make it a reality.