At 60, I’m unemployed, about to renew my mortgage – and I need to fix my roof. What are my options?

Question from Ann, 60, in Ottawa: My mortgage expires in June and since I am unemployed, I will need a guarantor to renew. My current mortgage is a five-year fixed at 2.34 per cent. I also need around $20,000 to fix my roof. Should I shop around for the lowest rate and keep my amortization…