Your current mortgage comes to term. Usually 6 months before the date of maturity. This is an opportunity for you to negotiate for the best and better rate.

Negotiating with your current mortgage loan agreement, usually to access the equity in your home or to lower other borrowing costs by taking advantage of lower rates.

Consolidation means that your various debts, whether credit card bills or loan payments are rolled into one monthly payment. It is a way to lower and simplify payments.