Running out of cash ?

Running short of cash ? Paying a lot out every month and feeling like you are never getting ahead ?

Please, let me take a look at your mortgage situation and your debt – see below what happened with three of my clients just last week !!

1. 1. Income of $48,000. Mortgage of $155,000. Credit card debt of $13,000. I renegotiated their mortgage by paying it out and adding all their debt. BELIEVE THIS – their monthly mortgage payment now is $1,050 LESS a month and as well, I incorporated all their credit card debt into their new mortgage !

2. 2. Income of $77,000. Mortgage of $165,000. Credit card debt of $41,000. I renegotiated their mortgage by paying it out and adding all their debt. Their monthly mortgage payment now is $865 a month LESS and all their credit card debt was added to the new mortgage.

3. 3. Income of $133,000. Mortgage of $198,000. Line of credit for $105,000. I renegotiated this so that my clients are paying $675 LESS than they were with exactly the same debt.

You must not be “scared” away by your current mortgage holder who says you have a penalty to pay out. In almost all cases, with the interest rates now so low, it is worth it to pay the penalty to close out early.

Is your mortgage coming up for renewal in the next 6 months ?? The penalty is so low by then, and the renewal offer (which comes quite close to the renewal date so it makes it difficult for you to then price-shop) from your current mortgage holder is often not at the discounted rate I can get from the many lenders I deal with, that I can almost be sure I can lower your monthly payments !!

Please email me at hagerman@travel-net.com or call me at 613.290.4043 so we can take a look. My services are free.