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Home Apply Mortgage Process Credit Problems Calculators

Drastically Reduce Your Credit Card Debt

Half of all adult Americans have credit card debt equal to or greater than 6 months of their of annual income. If you make the minimum monthly payment on your cards, it will take you approximately 24 years to pay them off. A solution to this problem is a debt consolidation loan. These loans come in many shapes and sizes. The interest rate is determined by credit scores and equity in your home. Loans are available up to 125% of your home's value. The rate is typically far lower than your average credit card rate and is amortized over a longer period of time. It is not uncommon to save over $1,000 per month upon closing a debt consolidation loan. The other strategy is to pay some extra amount each month, generally $100. This extra payment alone typically cuts the payback time by one third. We have two calculators that will help you to determine the amount of potential savings you can realize from a debt consolidation loan. If you Use the link at the top of the page to try them out. They are very powerful tools.

Credit Problems

Credit problems come in all shapes and sizes. There are many loan programs available for less than perfect credit to poor credit. Many people do not realize that with either equity in their home or some help correcting problems on their report, securing a loan is fairly easy. The information you put on our "mini" will help to guide you to the right lender(s) for your particular needs.

No Income Verification

Program typically requires one of two things, either good credit or at least 20% equity.