|
Welcome
|
Debt Consolidation RefinanceDebt consolidation refinance is the primary reason people refinance. Debt consolidation refinance is more popular due to the increases in minimum payment amounts required by credit card companies. In many areas, property has substantially appreciated in value, and many of my clients decide to use the "dead equity" to consolidate their payments. Of course, your debt consolidation refinance payment may be tax deductible and your credit card payments are not, you are using "tax advantagd" debt to improve your overall financial picture. I offer many debt consolidation refinance products to unlock the equity in your home and reduce your payments. Before you make any decision on a mortgage, a Debt Consolidation Refinance Certified Mortgage Planning Specialist can do a detailed analysis so you know you are making the right choice based on your specific circumstances. I now offer a free Debt Consolidation Refinance Analysis which can give you the information you need to make an informed decision. Debt Consolidation RefinanceIn a debt consolidation refinance, add the existing mortgage balance together with the debt to be consolidated to determine your new loan amount. An appraiser determines the value of your property to determine your Loan to Value (LTV). I have programs allowing you to borrow 80, 90, or even 100% of the value of the home in this Debt Consolidation Refinance. If your mortgage ratios are high, I can consolidate your debt at closing eliminating the problem. When we consolidate your debt at closing, the debts are paid out of your proceeds so those debts are not calculated in the ratios. Of course, you may choose a fixed rate, ARM, or even an option arm are as your new loan type. Interest only loan payments are available and can reduce your payments significantly. I also offer a debt consolidation refinance calculator which should be useful. Learn more about debt consolidation refinance closing costs. I have a page on mortgage documentation requirements We offer several programs for borrowers with non traditional income or asset situations. Visit my No Documentation loans page. If you already have an excellent rate on your first mortgage, I have extensive information available on home equity loans and a home equity line of credit as well * I have included a section on the new Cash Flow ARMS. A LIBOR or MTA based product which gives you complete flexibility in managing your mortgage. Learn more about improving your credit scores As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come. Read more about this free, no obligation service. New! View my Wealthbuilder presentation and learn the safe way to manage your finances and fund your retirement. I hope the information on this page was useful to you. Please scroll down to view my Mortgage Market Guide. It is a weekly publication explaining the financial markets from a consumer's perspective that is available on this website or by email subscription. I have nearly 8,000 subscribers today and would be happy to have you as well. Your email address will never be used for any other purpose.
|
|
Prequalify for your 