In a declining rate environment, smart homeowners aren’t waiting for their mortgage renewal to take action—they’re locking in savings now.
The Cascade Mortgage Strategy is a tactical approach that lets you progressively lower your borrowing costs while protecting against future rate hikes. Instead of sitting on a fixed rate for an entire term, you prepay portions of your mortgage and reset them at lower rates as they become available.
Capture Lower Rates in Real-Time
Traditional five-year fixed mortgages leave you at the mercy of renewal timing—if rates are high when your term is up, you’re stuck. With the Cascade Strategy, you gradually reset chunks of your mortgage at lower rates, creating a waterfall effect that reduces your overall interest costs.
Example: A homeowner with a $500,000 mortgage at 5% makes a $100,000 prepayment, reborrowing that portion at 4.25%. If rates drop again next year? They repeat the process—continuously lowering their effective borrowing rate.
More Equity, Less Interest—Without Increasing Payments
By keeping monthly payments the same as rates decline, more of your money goes to principal, helping you build equity faster while paying less interest.
Take Control of Your Mortgage Now
Rates won’t stay low forever. The Cascade Mortgage Strategy is a proactive wealth-building move that gives you flexibility in any market. Reply to this email or reach out to our team to learn more and start optimizing your mortgage today.
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