The best mortgage decision starts with the exit
Zahrany Zawahir · 2 min read
Most buyers focus on how to enter a deal. In my opinion, stronger decisions start with how the exit is structured.
The exit strategy should define the mortgage from the beginning. A short term hold requires flexibility, lower penalties, and the ability to move quickly. A long term hold or refinance requires stability, strong valuation, and consistent market demand.
Lenders assess the same factors. The focus is not just the price today, but how the asset performs over time. How easily can it be resold. How reliable is the valuation. Would it still qualify for financing under different market conditions.
A common mistake I encounter is choosing a mortgage that works in the moment but becomes restrictive later. High exit fees, rigid terms, or properties with limited liquidity can make refinancing or selling more difficult than expected.
Start with the exit. That is where the real strategy begins.
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