Hi,
My apologies for the absence and not replying. If your friends have a mortgage that is in insured and they need to preserve their longer amortization they can do a straight switch to another lender (mortgage amount & amortization remain), the only change will be the new interest rate. If your friends break the current mortgage they will be subject on an insured mortgaged to a 25 year amortization. If the mortgage is conventional the amortization can be 30 years.
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