Refinancing your debt at the lowest market interest rates can be a very good decision. Also, at your option, my included service as a mortgage and financial coach will help ensure that you gain the most out of your refinance and stay on track over the long term.

With a refinance, you could easily:

    Significantly lower your monthly payments and free up more cash

    Speed up the time it would take the pay off your debt

    Get rid of your credit card debt

    Save thousands of dollars in interest costs

So to help determine if a mortgage refinance is right for you, try answering the following questions:

    Do you find yourself stressed about your monthly debt payments?

    Are you making the minimum payments every month?

    Are you making several monthly debt payments

    Are you paying higher interest rates than you could be with a mortgage?

    Do you want to get on track, and stay on track financially

If you own at least 10% of your property (including any appreciation in property value) and you have answered yes to any of these questions, it's worth contacting me to see exactly how much you could be saving.

For example:

Example is based on a property value of $325,000 and an original 25 year mortgage at 5.5% interest. The line of credit and credit cards are based on an industry standard 3% monthly interest cost and amortization combined. The Bank loan is based on a 4 year amortization and an interest rate of 9%. The After mortgage is based on a fixed rate of 4.5% and is amortized over 35 years .Note:35 year amortization paid bi-weekly accelerated is actually reduced to 29 years. With the monthly consolidation savings, pre payment privileges and with my mortgage program in place, 35 year amortizations can easily be lowered significantly.

Only half of my job when refinancing your mortgage is to ensure your best rate and a fast, efficient mortgage process. Are you also looking for?

    Even greater savings on your mortgage - beyond the lowest rate?

    More free cash flow AND faster debt pay-off times?

    Long term piece of mind that things will stay on track

    A dedicated financial coach that is focused on you reaching your goals?

If you have answered yes to any of these questions, then my optional financial coaching service is right for you.

The other half of my service is helping to make sure that, based on your goals, the right mortgage and financial strategies are employed to help save you the most money and strengthen your long term financial prosperity. In every case, the strategies are easy to follow and effective.

For example:

*Savings based on refinance example seen in step 1.

This example is very realistic and you could be saving even more! So choosing to refinance with me gives you a dedicated mortgage expert, and a long term financial coach who's focus is on you reaching your goals.