Debt Consolidation is the practice of taking one loan to clear off your various unsecured debts. The concept behind taking this loan is to get money from the lender at a lower interest rate and use it to pay back loans that have a higher interest rate. It is a widely accepted tool to ease out the repayment process of debts related to student loans, credit cards and several other types of liabilities, that have little to do with your overall net worth.
We will find you the lowest rate!
… And we put it in writing!
Advantages of Debt Consolidation
- To know if you can take on new debt or not, you need to assess your overall financial state and see if it adheres to the criteria set by the lender. Loan providers often consider several factors while going through a debt consolidation application. These include:
- Borrower’s overall credit history
- The personal assets or the collateral that the borrower possesses and any pattern of savings
- A consistent source of income along with job stability
Expert Mortgage extends a helping hand to homeowners who may be seeking a second mortgage to address any of the above concerns and other not so common expenditures. We stand out as one of the very few brokerages that commits to finding you the best rate and terms – and we put it in writing, when no one else will.
Our Latest RatesNote: Rates are subject to change without notice.
|5 Year Variable||3.05%|
|5 Year High Ratio||2.71%|
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We were 6 months behind on our mortgage and the sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can ’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.
My ex—wife’s lawyer gave me 30 days to buyout her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don ’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you.
I m self—employed with bad credit related to a past business failure. My new venture was going great and I wanted to buy a home, but the bank would not qualify me for a mortgage. I didn ’t know about private lenders until I saw your flyer. Thanks for fulfilling my dream of being a homeowner.
Earning only pension income I couldn ’t keep up with my payments. The bank said that due to my age they could not give me a loan. Paying off all my debt and giving me one low monthly payment helped me save my home of 35 years. I am very much indebted to you.
The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.