Before You Take Down the Tree: Is Your 2026 Mortgage Payment Too High?
Before You Take Down the Tree: Is Your 2026 Mortgage Payment Too High?
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Before you pack away the Christmas tree and head into the New Year… stop and ask yourself:
Is your 2026 mortgage payment already too high?
December is when most families finally slow down, look at their bills, and realize something has to change.
In this video, I'll walk you through a simple, no-hype year-end mortgage checkup to help you decide whether you should:
• Refinance your mortgage
• Use a HELOC or cash-out refi to pay off debt or remodel
• Or leave things alone for now
What You'll Learn
✅ When a Refi Makes Sense
– Comparing your current rate to today's market
– How long you plan to stay in the home
– How to calculate your "break-even" on closing costs
✅ When to Use Your Equity
– Paying off high-interest credit cards (for those serious about changing habits)
– Remodeling instead of moving
– Cleaning things up now to be ready to sell or buy in 2026
✅ When to Leave Equity Alone
– Nearing retirement and don't want to restart the clock
– Budget is tight and credit cards are keeping you afloat
– You know the debt would creep back up again
✅ For Real Estate Agents
– How a smart refi or equity pull now can help clients qualify cleaner in 2026
– A simple question to ask: "Have you had your mortgage reviewed in the last 12 months?"
👀 No hype. No scare tactics.
Just straight, honest numbers - so you can walk into 2026 with a payment and a plan that fit your life.
👉 FREE MORTGAGE CHECKUP
If you're wondering whether to refinance, use a HELOC, or stay put, send me:
• Your current interest rate
• Your approximate loan balance
📩 Message me and I'll tell you straight whether it makes sense to move forward - or if you're better off staying where you are.
👋 About Me
I'm ReAnn Gonzalez, a local mortgage broker with 30+ years of experience helping families buy, refinance, and plan ahead.
I serve El Paso, Texas and surrounding areas - and my goal is to give you clear, honest guidance, not pressure.
If you're a homeowner, future buyer, or real estate agent and want a second opinion on a mortgage scenario, I'm here to help.
🔔 Don't Forget
If this video helped you:
👍 Like
💬 Comment "CHECKUP" if you want me to review your mortgage
🔔 Subscribe for weekly videos on home loans, refis, and smart money moves for homeowners
If you have any questions or comments, please leave them in the section below.
For more mortgage loan info I am here for all your mortgage needs. If you have any questions
Call or text me 915-478-1157
Apply Now at https://www.mortgagemasterep.com
Edge Home Finance
7362 Remcon El Paso, TX 79912 NMLS# 891464
ReAnn Gonzalez NMLS# 219070
Chapters:
00:00 Is Your 2026 Mortgage Payment Too High?
01:11 Part 1 - Quick Refi Checklist: When It Makes Sense
02:34 Part 2 - When You Should NOT Refinance
03:21 Part 3 - Using Your Equity: Cash-Out Refi vs HELOC
04:53 Part 4 - Tips for Real Estate Agents
05:58 Final Thoughts - Refi, HELOC, or Do Nothing?