On this video, we explain the consequences of Reckless credit/lending and its implications for the credit providers. I also highlight the importance of keep a hands on your profile by monitoring your payment progress with your Debt counsellor.
I also explain the importance of choosing the right Debt counsellor (DC), as some Debt counsellors tend to prey or take advantage of ill-informed and vulnerable consumers, which is one of the reasons you need to SUBSCRIBE to my channel so that you do not fall prey to such individuals. I cannot stress enough the importance of staying informed.

Send me your comments and questions if you have any, and I will get back to you soonest.
Thank you for watching.
Sellina

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I’m a Mortgage Broker and President of TDR Mortgage. I do all types of Home Loans and am based in California. I started this channel to share my love for mortgage and real estate (especially in the Southern California area). I invite you to subscribe to my channel and hit the bell to be notified when I post new videos! https://tdrmortgage.com/ Call or Text 909-920-3500 Today.
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? Visit my website: https://tdrmortgage.com/
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Chat about what you are looking to do in a 5 min call.
Figure out a plan. Roadmap to success, now or in the future, maybe that involves getting fully Approved now or waiting to go off of your success roadmap and Apply down the road.
If you are refinancing, we shop tons of companies for you to find the exact perfect rate and term.
If you are purchasing, we will fully analyze all loan options and determine the best fit for You today with the utmost benefit for you in the future. This is a very important analysis which takes into consideration your usage of the home, future goals and the way the market is headed at the time you do your loan.
We Place you with a top notch Real Estate Professional to make sure you are always WINNING.
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Whether you are a Luxury Home Buyer / Homeowner, 1st Time Home Buyer or looking to invest in your next rental property, we have helped 2,621 Families since 1998 Lets Chat Today!!!
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ABOUT ME:
I am Teresa Tims President of TDR Mortgage, a trusted provider of Home Loan Mortgages and Real Estate Services. I specialize in the Mortgage side of my Business. I have been a licensed loan officer since 1998 and a Real Estate Broker since 2010. I pride myself with offering real advice with no Bullsh*t. When looking to Buy, Sell or Refinance you are going to be well taken care of. We offer a wide variety of Loan Product not limited to; Self-Employed Home Loans, Non-Qm ( loans outside of the box), Helocs, Hard Money, Reverse, VA, FHA, Jumbo, Conventional, Interest Only, Adjustable, Renovation Loan, Multi-Family and First Time Buyer Programs.

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Working in the fields of Mortgage Finance, Real Estate Investment, Real Estate and Property Management since 1998. Let our Team find a custom solution for you today 🙂

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High Debt, Low Mortgage Rate? Here’s Your Solution! ????????

Are you sitting on record-high home equity but locked into a super low mortgage rate? Struggling with high-interest debt but don’t want to touch your 2.5% mortgage? You’re not alone!

? The good news? There’s a smart way to access your home equity without refinancing your entire mortgage.
???? This strategy could help you lower your monthly payments and take control of your finances—without giving up your low rate!

???? Want to learn more? Send me a DM with the word “Debt” or reach out directly through my contact form:
???? https://www.closewithmichael.com/contact

???? In this video, I’ll cover:
???? The challenge of high equity + high debt
???? Why refinancing isn’t always the best option
???? A unique strategy to leverage your home equity while keeping your low mortgage rate
???? How to determine if this is the right move for you

???? Don’t forget to subscribe for more mortgage & financial tips!

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This video is going to help anyone who has credit card debt and wants to pay them off quickly. Credit cards typically have very high interest rates, so what can you do to lower your interest rate. Watch and find out!

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More:
https://www.conservatives.org.au/the_farm_debt_mediation_solution_bailey
The Conservative Party’s Victorian Senate candidate,  finance expert Kevin Bailey, says the Banking Royal Commission report isn’t all bad news.

We often get the following scenarios that can have the result that debt counseling and debt review actually outs you off much worse than your current situation. What happens if consumers wait too long after they realize that they are in financial distress before they apply for debt counseling and debt review. The answer is very simple yet there is a complex reasoning behind the answer.
If you leave your accounts to get so far in arrears and then apply for debt counseling, Help with debt, debt counselors cannot guarantee that we will be able to lower that specific repayment. The reason being is that your creditors are forced to first bring your arrears amount up to date before they can start paying off your capital. Furthermore, the National Credit Act only allows consumers under debt counseling and debt review to extend certain agreements for a maximum period. This is also dependant on the age of the agreement. For instance, if you have only a few months left on your original contract term but you are in arrears with almost half the agreed amount, the period cannot be extended so much that you will benefit from debt counseling. I had a new client today that was more that 22 months in arrears with a finance agreement that only had 8 months (original) contract term left. The result was that the restructured payment for that account was almost R200 more than his original installment.
This brings me to my next example. Normally if I get clients that are not in arrears with accounts but foresee a difficult financial future, I am almost guaranteed to more than halve their payments.
Bottom line. The sooner you make a plan to sort out a dismal financial situation, the better. Banks and other credit providers respect clients that are precaution and make arrangements throughdebt counselling and debt review sooner than later. If the credit providers have to phone trace and keep on asking you for money they will view you as a risk.
If you feel that you need some more info please contact Help with Debt today