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$500k+ mortgage refixing in the next 90 days? One tap in a banking app is not a decision. Your bank sends a text. You tap accept. That locks you in for another year or two at whatever rate suited them, and nobody at the bank is paid to tell you otherwise. On a $600,000 mortgage a 0.3% difference is about $1,800 a year. On $750,000 it is more. Before you tap, see what refinancing to a lower rate could be worth, and whether the setup underneath it deserves a look as well. Eight quick questions and you'll see your results. Then one of us rings to go through it. Sometimes staying put is the right call and we will say so.