Real Estate agents

Lol, I figured the answer was either the agent or the house lol
Old joke.. Who wears more makeup than a hooker? A real estate agent...
How does a mortgage "come up for renewal"?
Most mortgages are amortized over 20-25 years, but they have a "term" length.(3yr fixed, 5yr fixed, 3 year variable, etc) The renewal date is when the term "expires ".
No 15 or 30 yr mortgages in Canukenstein... IIRC :)

Having an attorney may be state specific in the US. Many states use title and escrow companies to perform transfer services.
Lol Rob, 30 yr used to be available not sure if it is or not anymore. 15's are definitely available.
Each province i would imagine is different, like states. It's the BS smoke and mirror show that pisses me off.
Listing agent doesnt submit bids from competing agent as the listing agent wants to double dip on commissions. % from the sale, and % from the listing.
Broken and crooked system.