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Top debt consolidation loans for good credit or credit problems, self employed small business owners with no proof on income on tax returns or private mortgage help when everyone else said NO.
What are top debt consolidation loans by refinancing home mortgage and how to qualify -- a reader asks looking for mortgage broker Hamilton area help.
We're debt consolidation Hamilton mortgage brokers to give you one on one mortgage help to end credit card debt. What you qualify for and at what interest rate depends on the equity available in your home, area of your property, your income and credit. Many would argue that the best way to enjoy life is to have no debt -- unfortunately, is is not a reality for many.
We've created 3 best home equity loan programs to give you a fresh start - read below. We love helping families get back on their feet financially.
There is no need for you to struggle going from bank to bank, one broker to another. One conversation with me and you won't have to worry whether or not your mortgage is packaged correctly to the right lender for fast approval. You won't be disappointed.
Canadian Government has legislated a STRESS TEST be added to bank and alternative mortgage applications. This means 2% is added to the interest rate you are offered, to qualify you for a mortgage - this is further amortized over 25 years, even if your payments are set at 30 year amortization, reducing the amount of money you qualify for to buy a house or refinance home mortgage.
NO STRESS TEST mortgage at 80% of home value and best interest rates for good credit and stable income is a best way to qualify for up to 20% more money to buy a home or consolidate debt into one lower payment.
Each credit card debt consolidation program below fits top debt consolidation loans strategy. How? Each borrower's situation is different and needs its own Canada debt consolidation loan and unique mortgage help.
4.5% or 8% -26% -- monthly payment $2,017 versus $3,077 -- the choice is easy.
Refinancing home mortgage to eliminate credit card debts is a good move for this client who still had 2 years left on her mortgage -- she refinanced home mortgage to 80% of home value to end credit card debts madness. She now saves $1,060 each month with one lower monthly payment.
Judy (above) took quick steps to deal with her debt before her credit was destroyed. She has good income but got over her head with debt by helping her daughter financially. She reached the point where she was starting to struggle to make even the minimum payments on her credit. Her credit score started to drop because of maxed out credit limits. But, she managed to avoid late payments and her credit score was still in the acceptable range for refinancing home mortgage. Her quality of life will now improve and with all the debt consolidated, it won't be long before her credit will soar high again.
* All the calculations in this article are based on November 2018 interest rates. All rates are subject to change without notice.
Self employed mortgage at 4.75% or 8% -26% -- refinancing home mortgage to eliminate credit card debts and increasing amortization from 25 years to 30, saves $1,871 a month.
Our clients above have been self employed four years. Their mortgage is maturing but their bank will not renew due to some recent credit problems and no proof of income on their tax returns. Borrowers need a self employed loan to end credit card debt and refinance home mortgage. As small business owners they can benefit from bad credit debt help. Clients' application is a fit for alternative mortgage financing at a higher interest rate.
Refinancing home mortgage at 80% of value, increasing the amortization from 25 years to 30, getting rid of expensive debts to lower monthly payments, helps our clients carry the new mortgage easily and improve credit score.
Canada debt consolidation loan saved our clients $1,871 each month making their day to day life easier.
Borrower who needs bad credit debt help saves $1,200 a month with top debt consolidation loans, by adding an interest only second mortgage from private bad credit lenders. If your debt is out of control with late credit card payments, your cash flow and debt consolidation loan payments can be improved. You can stop creditor calls and get back on your feet financially. Ask me if debt consolidation for bad credit with the help of private mortgage lenders could be for you to lower payments.
There are many reasons why good people get into debt, if this is you -- you are not alone. In my opinion, you should try to eliminate expensive credit card debt, improve your monthly cash flow and your quality of life and get back on track financially. You deserve a fresh start - you too can end credit card debt madness.
Marie Copeland, FSU, Hamilton Mortgage Broker serving clients throughout Ontario.
How to consolidate debt. What are the best credit card debt consolidation loans Ontario ? You decide.
If you need mortgage help refinancing home mortgage to eliminate credit card debt, put money into your business, renovate, vacation or any reason, please contact me.
Call 905.537.8815 for best credit card debt help
*Lenders change their products and interest rates without notice.
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