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Add You - Debt Management
Debt – it's a fact of life for most. Debt however, is not always bad. In fact, debt can be used to your advantage. Most businesses do this every day. They avail themselves of a principle that's been used to generate substantial wealth for years; the principle of leverage. Le
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today
Many companies think that Customer Service is simple and indeed it could be argued that good service is simple from the customer's perspective. But a proper customer service strategy is hardly simple. You must take stock of your entire organization and find out all the points
Credit cards are unsecured loans with higher default rates. Why pay rates based on this? Rates may go even higher with drops to your credit score. Credit lines may be cut without warning and interest is not tax deductible. Consider refinancing this debt into a mortgage product. Because Mortgage liens are secured against your property, rates are lower & tax deductible.
Many Home Equity Lines of Credit (HELOCs) adjust with prime - now higher than most 1st mortgages. Cash out refinances are a popular way to pay off credit cards & high interest home equity lines.
What if debts exceed my property value?
You may be eligible to borrow up to 115% of your value. With good credit history, consider borrowing on the future value of your property. Rates are higher but still far less than unsecured loans, and interest is tax deductible. Some save thousands in monthly interest with this product and refinance back to more conventional rates when the property value catches up with their loan amount.
What if my FIXED mortgage is substantially lower than today’s rates? Consider a fixed rate interest only HELOC. When the property appreciates, your equity position will improve even if loans are interest only.
My neighbor brags about his below market mortgage rate. Are there programs that really offer this?
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today
The Citi Upromise Card, issued by Citibank, is intended for use by those who have very good credit and want to take advantage of its built-in college savings reward program. Enrollment in the Upromise program allows cardholders to earn a 10% rebate on select purchases. With o
Many Home Equity Lines of Credit (HELOCs) adjust with prime - now higher than most 1st mortgages. Cash out refinances are a popular way to pay off credit cards & high interest home equity lines.
What if debts exceed my property value?
You may be eligible to borrow up to 115% of your value. With good credit history, consider borrowing on the future value of your property. Rates are higher but still far less than unsecured loans, and interest is tax deductible. Some save thousands in monthly interest with this product and refinance back to more conventional rates when the property value catches up with their loan amount.
What if my FIXED mortgage is substantially lower than today’s rates? Consider a fixed rate interest only HELOC. When the property appreciates, your equity position will improve even if loans are interest only.
My neighbor brags about his below market mortgage rate. Are there programs that really offer this?
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today
So you have heard of Google or Yahoo, fired up the trusty Internet Explorer and typed one of the following phrase's in the search bar, httpwww.google.com, httpgroups.yahoo.com, httpyahoo.com, or perhaps wwwgmail.com, hit search, "--" Eh, Nothing, WHY?
What if debts exceed my property value?
You may be eligible to borrow up to 115% of your value. With good credit history, consider borrowing on the future value of your property. Rates are higher but still far less than unsecured loans, and interest is tax deductible. Some save thousands in monthly interest with this product and refinance back to more conventional rates when the property value catches up with their loan amount.
What if my FIXED mortgage is substantially lower than today’s rates? Consider a fixed rate interest only HELOC. When the property appreciates, your equity position will improve even if loans are interest only.
My neighbor brags about his below market mortgage rate. Are there programs that really offer this?
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today
Recently, I wrote an article discussing the Unique Selling Proposition: its definition, its use and its penultimate importance in all aspects of marketing, no matter what business you’re in. In another article, I told the story of Julie’s Mansion, a wonderful restaur
What if my FIXED mortgage is substantially lower than today’s rates? Consider a fixed rate interest only HELOC. When the property appreciates, your equity position will improve even if loans are interest only.
My neighbor brags about his below market mortgage rate. Are there programs that really offer this?
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today
For loan officers and mortgage brokers, marketing the benefits of your products to your potential customers is very important to the success of your business. It is also important that you keep up with your competition’s marketing concepts.Marketing can rear its head i
Yes. You may buy down your rate in the form of points. Discount points may be tax deductible & offset by interest savings. Willing to refinance more often? Consider 2:1 fixed rate buydowns, Adjustable Rate Mortgages (ARM’s) & Pick A Pay programs. Contact me for details.
Know your FICO score and protect it by restructuring debt before it’s too late to qualify for a refinance. Call today for your free credit report. Greg Zaccagni @ www.SeniorMortgageLender.com
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