Compare Your Mortgage Options

Most mortgage decisions come down to a choice between two things. These pages lay out both sides so you can see which one fits your situation.

Comparisons

Compare banks and brokers: access to lenders, rates, fees, approval speed, and flexibility.

Fixed rate stability vs variable rate potential savings. Rate protection vs market risk.

Less than 20% down (insured) vs 20%+ (uninsured). Cost comparison.

Flexibility vs lower rates. Prepayment penalties vs zero restrictions.

Refinance to lower rate, HELOC for flexible access. Cost, timing, and best scenarios.

Renewal with current lender vs switching to new lender for better rate.

Jensen Tam will look at your situation and tell you what is realistic — no cost, no obligation.