Your mortgage shouldn't be something you think about once and forget for thirty years. Your life changes every year — your income, your family, your goals, the housing market, interest rates. Your mortgage should keep up with all of it.
The Annual Mortgage Review is a free, no-pressure conversation we offer every client, every year, for as long as you own your home. No paperwork in advance, no credit check, no obligation. Just fifteen minutes to make sure your mortgage is still working for you — not against you.
When we helped you finance your home, we made you a promise: if you were happy with what we did, we would help you avoid ever having to go through the whole mortgage process again unprepared. The Annual Mortgage Review is how we keep that promise.
By checking in every year, we stay ready to help you the moment an opportunity or a need arises — a chance to refinance, a second home, an investment property, a home equity line, or simply the peace of mind that your current mortgage still fits your life. Most people only think about their mortgage when something forces them to. We would rather get ahead of it.
📉 Rates and Markets Change
The rate you locked in two or five years ago may no longer be the best option available. We track the market so you do not have to — and we will tell you the moment refinancing actually makes sense for you.
💼 Your Income Changes
A new job, a raise, a bonus structure, self-employment — any of these can open up options that were not available to you when you first got your mortgage, from removing PMI to qualifying for better terms.
🏠 Your Home's Value Changes
Rising home values can eliminate mortgage insurance requirements and unlock equity for renovations, debt consolidation, or a second property — but only if you know your current numbers.
🎯 Your Goals Change
The plan you had when you bought your home is not necessarily the plan you have now. Kids, retirement, growing your real estate portfolio — your mortgage strategy should evolve with your life, not stay frozen the day you closed.
This is a real conversation, not a sales pitch. Here is what we genuinely cover when we sit down for your Annual Mortgage Review:
Your Real Estate Goals
- What are your real estate hopes and dreams in the next 3-5 years? The next 5-10 years? Beyond that?
- How long do you realistically see yourself in this home?
- Is your household growing, or are kids moving out and your space needs changing?
- Are you thinking about a second home, an investment property, or a move?
Your Current Mortgage & Market Position
- What is your current loan balance and rate, and how does that compare to today's market?
- Has your home's market value gone up or down, and what does that mean for your equity?
- Are you still paying mortgage insurance, and is it time to revisit that?
- Is your homeowners insurance policy still the right fit, or has your coverage needs changed?
Your Financial Picture
- Have there been any significant changes to your income — a new job, a raise, self-employment, or a job loss — in the last year or expected soon?
- How are your credit card balances trending?
- Have you taken on any new installment loans or other debt?
- Have you paid off any significant debt in the last year?
- Are your retirement savings on track with where you want to be?
What's Coming Up
- Any big-ticket items on the horizon — a wedding, college tuition, a new vehicle, a roof, a renovation?
- Would a HELOC or rainy-day fund give you more peace of mind right now?
- Are there any needs we can help you meet through a trusted referral — a CPA, financial planner, insurance agent, real estate professional, or attorney?
This is a conversation, not a hard credit pull or a formal loan application. We do not request financial documentation for the Annual Review, and we do not run a credit report as part of this conversation. If a credit check ever becomes the right next step based on what we discuss, we will tell you exactly why and let you decide if you want to move forward.
Schedule a Time
Book 15 minutes with Kirk or Ken — by phone, video, or in person. Whatever works for your schedule.
Have the Conversation
We walk through your goals, your current mortgage, and anything that has changed since we last spoke. No documents needed.
Get Straight Answers
If there is an opportunity — refinancing, removing PMI, tapping equity, or simply confirming you are in great shape — we will tell you plainly.
We Check In Again Next Year
We repeat this every year you own your home, so we are always ready to help the moment you need us — no scrambling required.
Most Annual Reviews fit comfortably into 15 minutes. If you already know you want to dig into a specific scenario — a refinance, an investment property, or anything more involved — feel free to book the longer session instead.
Annual Mortgage Review
The standard check-in. Quick, easy, no documents needed — exactly what most reviews call for.
Book Your ReviewWant to Go Deeper?
If you already have a specific scenario in mind — refinance, second home, investment property — book the longer session instead.
Book a Strategy SessionIs this review really free?
Yes — completely free, every year, for as long as you own your home, whether or not you originally financed with us. There is no obligation to take any action as a result of the conversation.
Do I need to gather any documents beforehand?
No. The Annual Review is a conversation, not a loan application. You do not need pay stubs, bank statements, or any financial documentation. If we identify an opportunity that makes sense to pursue, we will let you know exactly what would be needed at that point.
Will you run my credit?
No. We do not pull a credit report as part of the Annual Mortgage Review. This is simply a check-in conversation. If a future step like a refinance application would benefit from a credit check, we will explain why and let you decide whether you want to move forward.
What if I didn't originally get my mortgage through First Commerce Financial?
That is completely fine. We offer the Annual Mortgage Review to anyone who wants a second opinion on their current mortgage and real estate strategy, regardless of who originally financed your home.
Should I book the 15-minute or the 30-minute session?
Most Annual Reviews fit comfortably into 15 minutes — that is the right choice for a standard yearly check-in. If you already know you want to dig into something specific, like exploring a refinance or discussing an investment property purchase, go ahead and book the 30-minute session so we have enough time to do it justice.
What happens after the review?
If everything looks good, we simply confirm that and check back in next year. If we spot an opportunity — lowering your rate, removing PMI, accessing equity, or anything else — we will explain the option clearly and let you decide whether you want to take the next step. There is never any pressure either way.
Whether it has been one year or five since you last talked to us, there is no better time to make sure your mortgage is still working in your favor. No documents, no credit check, no obligation — just a straight conversation with Kirk or Ken.
Schedule Your Free ReviewOr call or text Kirk or Ken directly at (248) 459-5511
First Commerce Financial | Licensed Independent Mortgage Broker | NMLS #137512 | AZ MB #1001354 | Licensed in Michigan, Florida, Arizona, and Texas | Ken Turkington NMLS #137873 | Kirk Chivas NMLS #160828
