Anytime. When shopping for a home, most people reach out to a real estate agent first. Once you know the steps in the home-buying process – whether it is your first or second home – it is important to ensure your finances match your goals. I can collect information and provide a pre-qualification (or pre-approval) that gives you the confidence to move forward.
If you already own a home and are curious about refinancing options, I’d be happy to talk anytime to go over your options. When your mortgage is due for renewal, the best time is about 6 months before the maturity date to get the best advice and avoid paying early payout penalties.