The Cascade Mortgage Strategy: A Smart Way to Capture Falling Rates Without Going Variable

With interest rates declining, homeowners can optimize borrowing costs through the Cascade Mortgage Strategy, which allows for strategic prepayments and resets at lower rates without going variable. This proactive approach helps capture savings before renewal dates, reducing the risk of high rates at renewal. By making annual prepayments, homeowners can lower monthly payments or pay off mortgages faster, enhancing cash flow and building equity. This strategy provides flexibility and mitigates risks associated with future rate hikes, allowing homeowners to take control of their mortgage.