Your mortgage shouldn't go on autopilot for 30 years.
Life changes. Rates change. Equity grows. The mortgage that was right when you closed deserves a check-in now and then — and as an MMG client, that's part of the deal. Forever.
Fifteen minutes. Once a year. Straight answers.
- Payment, balance & amortization check
- Estimated home value and equity position
- PMI removal check, if you're paying it
- Refinance math — only if it benefits you
- A plan for what's coming next
Five ways we stay in your corner after the keys.
Most people never hear from their lender again. Our clients hear from us every year — with something useful to say.
Annual Mortgage Review
Fifteen minutes, once a year. Where you stand and whether anything should change.
Learn more ↓02Home Equity Strategy
What your equity could help you accomplish — and when to leave it alone.
Learn more ↓03Refinance Analysis
Break-even math, not marketing. Worth it, or not right now.
Learn more ↓04Investment Property
Pressure-test the numbers before you fall in love with a duplex.
Learn more ↓05Move-Up Planning
Sell first, buy first, and how to avoid moving twice.
Learn more ↓?Not sure what you need?
Tell us what's on your mind. We'll figure out which conversation it is.
Start a conversation →Your mortgage deserves an annual checkup.
You review your insurance. Your doctor reviews your health. Your mortgage — probably the largest debt of your life — shouldn't be the one thing nobody ever looks at again.
Every year, we'll look at where you stand and tell you the truth: sometimes "there's an opportunity here," and very often "you're in great shape, don't touch a thing." Both answers are worth fifteen minutes.
- Current balance, payment, and how your amortization is tracking
- Estimated home value and equity position
- Whether PMI can come off, if you're paying it
- Refinance math — only if it actually benefits you
- Equity opportunities for goals you have coming up
- Early planning if a move is on the horizon
No paperwork marathon. No sales pitch.
Here's what fifteen minutes with our team actually looks like.
Pick a time
Send a note below or call. We'll find fifteen minutes that work for you — phone or video.
We do the homework
We pull together your loan details and an estimate of your home's value before we talk.
Your numbers, explained
Where you stand, what's changed, and any goals coming up — in plain English.
A straight answer
"Leave it alone" or "here's an opportunity." Either way, the decision stays yours.
Your equity is an asset. Treat it like one.
Renovations. Education. Consolidating higher-interest debt. A down payment on the next property. Your equity can potentially help fund goals — but accessing it is a strategy decision, not a transaction.
We'll walk through the options for your situation, the tradeoffs of each, and — importantly — whether touching your equity is the right move at all. Sometimes the answer is "leave it alone." We'll tell you that too.
- How much equity you actually have — and how much is accessible
- The different ways to access it, explained in plain English
- What each option costs, short-term and long-term
- How each choice affects your monthly picture
- When keeping your equity untouched is the smarter play
Refinancing is math, not marketing.
You've seen the ads. What they never show is the break-even math: what the refinance costs, what it saves, and how long you'd need to keep the loan for it to pay off.
We run that math with you, honestly. If a refinance genuinely benefits you, we'll show you exactly why and how. If it doesn't, we'll show you that too — and you'll know to ignore the ads.
- Total cost of the refinance, all-in — no surprises
- Monthly savings and break-even timeline
- Term strategy: restarting the clock vs. shortening it
- Cash-out considerations, if that's on your mind
- A straight answer: worth it, or not right now
Thinking about becoming a landlord?
Rental property can be a powerful wealth builder — and an expensive lesson when the numbers were never real. Before you fall in love with a duplex, we'll walk through how investment financing actually works and what the full financial picture looks like.
Down payment requirements, reserves, how rental income factors in, and how this purchase fits alongside your current mortgage. Strategy first, property second.
- How financing differs for investment properties
- What lenders look for: reserves, down payment, income
- Running honest numbers on a property you're considering
- Using existing equity toward the purchase — pros and cons
- Building toward property number two, three, and beyond
Outgrowing this house?
Sell first or buy first? Where does the down payment come from? Can you avoid moving twice? Move-up strategy is its own discipline, and we built a full page for it — including the real story of a family who bought before selling when they didn't think it was possible.
- Buy-before-you-sell structures, explained
- Turning current equity into the next down payment
- Timing two transactions without losing your mind
- What "ready" looks like before you start browsing listings
“Almost 3 years later, they are still regularly checking in with us.”
“Martin Mortgage group was instrumental in helping our family purchase our first home and close within 3 weeks. We were buying in an extremely competitive market, and the team went above and beyond. Almost 3 years later, they are still regularly checking in with us. Lots of companies say you're like family, but Martin Mortgage group really does make good on their promise.”
“I just had another smooth closing with Martin Mortgage Group. My husband and I just purchased a home and the process couldn't have gone any smoother. From application to closing, the communication and customer service was phenomenal. We were ready to close days before our appointment at the closing table! This team has earned a customer for life!”
Closing isn't goodbye
Most people never hear from their lender again. We do it differently.
The questions homeowners ask us most.
Tap any question. If yours isn't here, that's exactly what the first conversation is for.
Ask Us Directly →Do I have to be an MMG client to get an annual review?
No. MMG clients get it automatically, but if your mortgage is with another lender, we're still happy to look at where you stand. No obligation, and no pressure to change anything that's working.
Does an annual review check my credit?
Not by default. Most of the review — your balance, payment, amortization, estimated value and equity — doesn't require a credit pull. If you decide you want to explore a specific option, we'll tell you before anything touches your credit.
How do I know if refinancing is actually worth it?
Compare what the refinance costs, all-in, to what it saves each month, and how long you plan to keep the loan. If you'll keep it well past the break-even point, it may make sense. If not, it probably doesn't — no matter what the ad says. We run that math with you.
When can PMI come off my loan?
On many conventional loans, you can request PMI removal once your balance reaches 80% of the home's original value, and it typically ends automatically around 78% if your payments are current. Rising home values may also open a path sooner on some loans. Rules vary by loan type and servicer, so we'll check yours.
What's the difference between a cash-out refinance and a home equity line?
A cash-out refinance replaces your current mortgage with a new, larger one and pays you the difference. A home equity line of credit (HELOC) leaves your first mortgage alone and adds a separate line you can draw from. Which fits depends on your current rate, how much you need, and how you plan to use it.
Is it a bad idea to use home equity to pay off debt?
Not automatically, but it deserves care. Consolidating higher-interest debt can lower your monthly costs — it also turns unsecured debt into debt secured by your home. We'll walk through the full picture, including the option of not touching your equity at all.
Already an MMG client? This is all included.
Closing wasn't goodbye. Reach out any time — about your mortgage, your equity, your plans, or a question that's been bugging you. Not an MMG client yet? The door's open.
Refinancing or accessing equity may increase total finance charges over the life of the loan. All loans subject to credit and property approval. Not all borrowers will qualify. This is not an offer of credit or a commitment to lend.
Let's check in on your mortgage.
Tell us what's on your mind — an annual review, your equity, a refinance question, or the next house. A real person from MMG will follow up, usually the same business day.