???? Choose either option to transform your equity for home improvement, debt consolidation, new properties, major expenses, investments, emergencies, or education.

Want to see if you qualify? Let’s chat! ????????

Have any questions or want to talk about your situation? Let’s chat!
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Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
www.rate.com/privacy

Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Our typical fee for arranging a mortgage is £500 on successful mortgage offer.

If you’re thinking about taking out a Debt Consolidation Mortgage. Please watch this video first! It could save you money!. ?

0:00 – Introduction & Health Warning ?
0:29 – Should I add debt to my mortgage? ?

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I am a Whole of Market, CeMAP qualified mortgage & protection adviser. I created the “Vegan Mortgage Adviser” as there was a demand for Ethical/Vegan individuals. Regardless of whether you’re Vegan or not, I want to help you with probably the biggest commitment of your life, a mortgage and ensure you are protected properly where necessary.

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Debt Consolidation Cash-Out Refinance Mortgage Guidelines

Home values have appreciated tremendously in the past few years.

Many homeowners have seen their homes appreciate double-digit year after year
The Federal Housing Finance Agency (FHFA) has increased conventional loan limits to $484,350 for 2019
This was the third increase in conforming loan limits in the past three years
High-Balance Conforming Loan Limits increased to $726,525 in high-conforming areas
High-balance VA Loan Limits follows high balance conforming loan limits and also increased to $726,525
HUD has increased FHA Loan Limits to $314,827 due to increased home prices

Read more https://gustancho.com/debt-consolidation-cash-out-refinance

What is a debt consolidation mortgage and how could it help you?

A debt consolidation mortgage is more commonly referred to as a cash-out refinance. This is where you pull out some equity in your home to pay off debt.

For example: let’s say your current home is worth $200,000 and you owe $100,000. Also, you have $20,000 in credit cards and other loans you want to consolidate into a lower interest debt.

If you did a cash-out refinance, you could get a check for $20,000 at closing and you would now owe $120,000 on your mortgage. Essentially, the debt gets absorbed into your mortgage.

So, why would you do a debt consolidation mortgage? This type of cash-out refinance helps you turn unsecured, high-interest debt (credit cards, auto loans, etc) and convert it into secured, low-interest debt.

A debt consolidation mortgage is a piece of the puzzle towards becoming debt-free in the future. It’s not a full solution to a debt problem, it’s simply a tool.

The big thing you have to keep in mind with this strategy is that it doesn’t just make the debt dissapear. The debt will still be there. But, instead of the debt being held at high interest (usually 15-25% by AmEx or Visa, etc) it will be help in your mortgage (usually around 3-5%).

But, is it smart to take short term debt and convert it to long term debt? Here’s what I mean… If you have $10,000 worth of debt in credit cards, that debt will get paid off in about 7 years. If you take that $10,000 and wrap it into your mortgage, it will get paid off in 30 years if you don’t intervene.

So, in that case it’s not smart to do that. But, it is smart if you continue making similar payments on debt. But, instead of paying the credit card company, you pay extra into the mortgage.

Again, a debt consolidation mortgage does not make debt disappear. It simply restructures the way you’re paying back debt and can help you avoid the massive interest charged on credit cards and other high interest, risky debt.

Hey, my name is Kyle and I’m a Mortgage Advisor serving Tennessee, Florida, and Ohio. My goal is to help you get a crystal-clear home loan that helps you win the house you love. If you’re ready to create your home-buying plan, you can reach through any of the ways below:

CALL/TEXT: 937-249-0481
EMAIL: kyleseagraves@hey.com
GET PRE-APPROVED: https://kyleseagraves.com

— Legal —

NMLS# 1701021
Motto Mortgage Alliance
937-249-0481
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

Debt consolidation can affect your qualifying for a mortgage if the debt consolidation company pays less than the minimum payment. This is more common than you think. It is important that you do not have late payments within 12 months of qualifying for a mortgage. Please think twice and consult a lender before you do debt consolidation.

For more information about escrow, contact us at www.loanwithjen.com Equal Housing Opportunity Lender. NMLS# 514497

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Tags: How debt consolidation affect qualifying for a mortgage,debt consolidation,consolidation loans,debt consolidation loans,debt consolidation pros and cons,credit cards,credit card debt,dave ramsey,debt settlement,how to pay off debt,real estate,credit card,the dave ramsey show,debt management,compound interest,credit card debt dave ramsey,pros and cons of debt consolidation,dave ramsey student loans,debt free journey 2020,credit cards that wont deny you

Refinance the Mortgage or Pay Down Debt?
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Many people can yield substantial savings when they look at refinancing to pay off debt.

http://real-101.com Watch more episodes
http://www.TraceyBrock.ca Mortgage Broker

In this episode of our mortgage financing series, we look at a refinancing to pay off debt review.

It is extremely easy to amass considerable consumer debt and before too long we need to question the decision to look at refinancing in order to pay off debt.

Technically it has more to do with reducing the interest payments you are making and turning the high interest consumer debt in to a lower interest refinancing product with your mortgage.

This refinancing to pay off debt review makes sense on multiple levels. Firstly, our tendency with consumer debt is to make minimum payments only which leads to a situation where we are constantly burdened by high interest rates and debt.

Without a correction, the situation can compound to the point where we may consider a bankruptcy which can be avoided if we consider refinancing to pay of debt.

We hope you enjoy our mortgage financing series and encourage you to watch the refinancing to pay off debt review video to the end.

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For more information on mortgage financing or if you need a mortgage broker, contact Tracey Brock.
Visit: http://www.TraceyBrock.ca
Direct: 416.788.6207
Mortgage Broker M09001257
Mortgage Financing Series | Refinancing To Pay Off Debt Review

http://mortgagemediationgroup.com/contact/
888-909-1030

If you or someone you know is facing a point where they can no longer afford their home or it no longer makes sense to keep that home AND you owe more than that home is worth, you need to speak with us. Whether you decide to stay in your home or look to leave your home, their are unique deficiency laws and tax effects in Arizona and California that you need to understand before you make a decision.