Getting out of Debt

Debt Reduction

Reduce debt, improve cash flow, and be mortgage-free

 
 

Reduce debt, improve cash flow, and be mortgage-free

If you're carrying high-interest credit card debt that has caused your cash flow to slow to a trickle, you owe it to your financial future to have a conversation about how you can roll that debt into your mortgage so you can save - sometimes thousands in interest - and start building wealth. Worried about penalties? Don't think it can make much difference? Think again. Using today's historically low mortgage rates, you have a golden opportunity to give yourself a tremendous financial boost. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.

Benefits of getting your debt under control

  • We have access to the best available rates
  • We can help with tough decisions
  • We can recommend solutions you might not be thinking of
  • You can feel in control again
  • Have a lower monthly payment that will better fit your tight budget
  • Work on a plan that gets you out of debt faster
  • Get rid of collection calls
  • Live a less stressful life that is free from harassing creditors

How to reduce your debt payments

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Look at this example from a recent client (mortgage, car loan and credit cards totaled $225,000; we rolled that debt into a new $233,000 mortgage, which included a fee to break the existing mortgage):

  MONTHLY PAYMENTS
  Total Debt Current New
Mortgage $175,000 $969 $1,163
Car Loan $25,000 $495 $0
All Credit Cards $25,000 $655 $0
Total   $2,119 $1,163

That's $956 LESS each month!

Make this the start of a new financial life. We'd love to help you crunch some numbers to see what kind of life you could be living! Talk to us about scheduling a free, no-obligation review of your situation. We guarantee you'll be glad you did.

+4.5% current mortgage, 3.5% new mortgage. Credit cards 19.5% and car loan 7%, both 5 yr am. Subject to change. OAC. For illustration purposes only.
Gary is very knowledgeable at what he does. He went above and beyond to help me get a great rate, I will definitely recommend him to anyone without blinking an eye. You make me feel comfortable during the whole process. I just want to say a big thank you for everything you have done for me and my family
Pat Ejenavi
Gary is definitely a gem in not only the world of mortgages but overall as a person. He goes above and beyond to help and do whatever he can to help. Gary has helped us and went out of his way to make things work. He is kind, smart and has amazing customer service. We highly recommend him to everyone.
Kinga Fronczak
Gary is a fabulous and very knowledgeable. He went above and beyond to help us get a great rate!! We highly recommend him to everyone!! Thank you sooo much Gary for everything you have done for our family!!
Crystal Bridge
I was very happy with the professionalism and courtesy provided to us by Gary and his team in navigating and procuring for us a great deal on a rather large, $215K, 2nd mortgage to help complete our extensive home renovations. Many Brokers will promise and not deliver but Gary and his extensive contacts and experience in this industry enabled us to quickly secure a 2nd mortgage and achieve our goals.
Imran Aslam
Gary's work ethic is fantastic. Not only is he organized, aware and thorough with his clients, he truly does approach each situation with 3 options. I appreciate the fact that he does not rely on one option ONLY to service his clients. This is particularly important at times when the market fluctuates or when things simply happen outside of our control. Gary, you have my highest recommendation.
Ali Abbas
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