Rates have been rising slowly.  Americans have high amounts of credit card debt so it is time to start consolidating before rates rise.  People are misled to think they should go with a home equity loan but that is not the case especially if you have excellent credit.  in most cases, it makes more sense to refinance the 1st mortgage and pull cash out. We can do it with no closing costs.

The rates are not that high and .125% or eighth of a percent increase on your primary mortgage will make sense if you have credit card debt at 20 plus percent.  Give us a call and we can evaluate your situation.

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