It's Payback Time!

The holiday festivities are finally over, and for many of us the financial hangover is just starting to creep in. The black and white reality of January credit card statements can be a shock, especially after realizing what the annual interest rate is for this type of debt. Before you panic, please call to discuss payment options that may help ease the pain of your buyer's remorse.

You may think that your relationship with a mortgage broker is exclusively mortgage-centered, but, in fact, mortgage brokers help clients with all types of financing. For example, you may want to hear more about debt consolidation to help you deal not only with your holiday bills, but with your other debts as well.

If you're like most people, you probably have credit card balances on one or more cards, and one or two consumer loans (e.g., car or student). What mortgage brokers often point out to people is that their mortgage, even though it's usually their largest debt, is also the one with the lowest interest rate. By consolidating your higher interest loans into your mortgage loan, you can enjoy not only the convenience of one simple payment each month, but also the advantage of saving interest on higher interest credit cards and other loans.

To see if you qualify for a loan consolidation, home equity loan, reverse mortgage or any other type of refinancing, simply call today. In fact, if the new year is bringing plans for new adventures — moving, buying a new vehicle or sending a child off to college, for example — you'll likely want to discuss financing for these endeavors as soon as possible.

LET’S ENSURE YOU BEGIN THE NEW YEAR WITH A HEALTHY FINANCIAL PLAN, STARTING WITH A SIMPLIFIED LOAN STRATEGY.