When most people think about mortgage renewals, they think of it as a routine checkbox. The term is ending, the bank sends over an offer, and—without a second thought—they sign and send it back. Another task off the to-do list, right? But here’s the thing: letting your mortgage renewal happen to you can be one of the most expensive five-minute decisions you'll ever make. What if, instead, you could make your renewal work for you?

Hi, I’m Jewels Ferris. And if we haven’t met yet—welcome. I’m so glad you’re here. You might be expecting a mortgage blog full of rate talk, finance jargon, and cookie-cutter advice. But that’s not what you’ll find here. Because the truth is—I’ve never done things the traditional way.