Taking advantage of refinance programs…
…which allow you to consolidate your debts and modify the rate and term of your first mortgage, such as adding a minimum payment option, can allow you to really boost your cash flow or focus your finances. We have had customers who were paying 2500 a month in mortgage + credit card and car payments drop down to making one minimum payment of 1100 dollars a month after debt consolidation refinancing. In the same situation, a second mortgage would have only reduced their total monthly spending to 2150 a month.
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