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Refinance & Consolidate Debt or Pay Off Bills.

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Click here to receive your free rate quote today to see how much $$$ you can save!


For free details on how to:

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  • * Pay off 1st and 2nd mortgages

  • * Get rid of high interest credit card debt

  • * Home equity loans!

  • * Home Finance or Improvement

  • * Have cash for any reason.


Click here to receive your free rate quote today to see how much $$$ you can be saving!

 

America's Lending Partners can get you a great deal on your Refinance loan. This free service is available to all homeowners.

Once you have found the home of your choice, you may think that your shopping days are over.

Actually, only the first phase has been completed. Next comes finding a mortgage and payment terms that fit your budget.

Where you shop and what you look for are important.

Homeowners with less than perfect credit Lower your rate, get extra cash, or consolidate your debt. Free Quotes

 

Low Mortgage Rates. Is your Mortgage Company keeping a big secret from you?

Receive the "Low Mortgage Rates" and Mortgage Quotes Online from all 50 US States

 

Then check our 3 top recommendations below for more "Low Mortgage Rates" and quotes! Use the "Mortgage Calculator" and compare different "Mortgage Rates"

 

With interest rates at the lowest point in Decades, now is the time to Refinance your Mortgage and Lower Your Monthly Payment! With Industry Rates as low as 4.75%, don't delay take advantage of these low rates and refinance before they go back up! Free Quotes.

 

 

Need money now? Get up to $1000 in just 24 Hours - Apply online!

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Lower your rate, get extra cash, or consolidate your debt. Free Quotes

 

 

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Credit Card Minimum Monthly Payments to Jump

But the good news is it is still possible to reduce your debt by up to 70% and be debt free in 18-36 months. Our proven debt solution programs can help you avoid bankruptcy.

 

Playing good defense and not squandering one's hard earned salary is as important as earning it was to begin with. If your goal is to create true wealth, and not just a lifestyle of conspicuous consumption and debt, then saving money and reducing debt is important to you.

There are about 689 million credit cards in the United States, and for many people, those cards are about to get much more expensive to pay each month.

A New government regulation is requiring credit card issuers to increase your monthly credit card minimum payment. For some people, that payment could be doubled.

An estimated 45 million USA credit card holders, nearly a quarter of the total, choose to pay just the minimum payment on their cards each month, according to CardWeb.com. These higher minimum payments could translate into big increases in payments for consumers carrying hefty balances.

For example, with a balance of $10,000 at an 18 percent, increasing the minimum from 2 percent to 4 percent would double the monthly minimum payment from $200 to $400.

Likewise, a $20,000 balance would require an $800 payment!

But higher minimum payments also reduce balances faster, saving consumers money on interest rates.

That $10,000 balance would require about 58 years to pay off and cost $28,930.64 in interest at the 2 percent minimum payment rate, while at the 4 percent rate, it'll take about 15 years and cost $5,915.67 in interest, according to Bankrate.com's calculator.

If ever there was a time to get out of credit card debt, it's now!

 

 

 


Mortgage Interest Deductions

 

In general, you can deduct interest charged on a loan used to acquire or improve your principal residence in the year that it is paid. 

In the early years of a loan, most of your monthly payment is interest, so this can really add up. If you are in a 28% federal tax bracket, this can have the effect of lowering your borrowing costs by almost a third, depending on which state you live in. 

This is truly nothing more than a subsidy to home owners, and it's a very popular deduction.

In addition, you can always deduct interest on an additional $100,000 of mortgage debt, which can be used for any purpose. 

This is called the "Home Equity Loan" exception, and it allows you to tap into your home equity for any purpose. 

This gives home owners the ability to do what is called "debt-shifting." 

For example, if you live in an apartment and have a credit card balance of $10,000 at 18% interest, none of that interest would be deductible. But if you bought a house, obtained a home equity loan for $10,000 and paid off the credit card, then ALL of the interest expense becomes automatically deductible. 

Furthermore, the rate on the home equity loan is likely to be around prime plus one or two, usually much lower than credit card rates. 

This same technique works with any and all personal debt, from car loans to consolidation loans - with only one hitch. In every home equity loan, you have pledged your house as collateral for the loan. 

If you fail to pay the payments as agreed, you could lose your house to foreclosure. 

So be very careful in using this technique.

 

 

 

 

 

More about....

 

30 Year Mortgage Rates drop to 5.7%, 15 Year Rates drop to 5%!

Getting the money you need to pay off high-interest debts and credit cards is just a click away. And you don't need to have perfect credit to qualify.

For more than 20 years, homeowners have been turning to Ameriquest Mortgage to get money for debt consolidation, home improvements and to give their families the things they need.

 

With a home loan from Ameriquest, you can:

- Lower your monthly payments*
- Get pre-approved in 24 hours
- Work with the same loan expert from start to finish
- Enjoy possible tax advantages**



With competitive rates and over 200 branches nationwide*, there's an Ameriquest Mortgage branch in your area that can help you get control of your finances.

for more information or to request your loan today. And don't forget to tell your friends and family members about Ameriquest's refinancing loans!

Ameriquest does not make loans in Washington, D.C., Virginia, W. Virginia, N. Carolina, outside the United States, or where prohibited by law.

Find the Best Mortgage Rates for ALL Kinds of Home Loans with Ameriquest.



(c) 2001, 2002 Ameriquest Mortgage Company

Click here to Refinance Now...Bad Credit OK!

 

 

 

 

 

 

Why Refinance your Mortgage?

 

Because, You may save tens of thousands of dollars on a single family residence over the life of your mortgage for just a few minutes of your time today! 

Here's how much shorter mortgage terms can save you in interest, based on a loan of $100,000. Rates are fixed and monthly payments show principal and interest only. The interest savings represent savings vs. a 30-year mortgage. 

Term       Rate    Mo Pmnt    Total Int   $$$ Savings 

30 years...7.75%...$716.41..,,,$157,908...$0 

20 years...7.50%...$805.59......$93,342.....$64,566 

15 years...7.19%...$909.48......$63,706.....$94,202 

10 years...7.00%...$1161.08....$39,330.....$118,578 

 

Free Quotes receive the Lowest Mortgage Rates Online!

 

 

 

 

 

 

  

More about.......

 

 PremierEquity Debt Consolidation

 

Apply Now! Second Mortgages up to 125%

Apply Now! Home Equity Loans up to 125%

 

 Free Mortgage Quote from Premier Equity

 

We offer consumers with good credit a variety of customized home equity loans and lines of credit (up to 125% of the value of the borrower's home) through our quick online application.

 PremierEquity products are competitively priced and may provide tax advantages for homeowners who want to consolidate high-rate debt or get extra cash for other home improvement needs.

 

Click here to get the "Lowest Mortgage Lending Rates" ! 

 

 

 

 

Another easy way to save thousands on your mortgage.

CLICK HERE to receive the Lowest Mortgage Rates Online!

 

 

WEEKLY OR BI-WEEKLY PAYMENTS?

What the Experts are Saying! Your mortgage is costing you $50,000 to $100,000 more in unnecessary interest payments. You can pay off your mortgage 10-15 years early!  Here's How... By converting your monthly payments on your current mortgage to a Split-Mortgage payment schedule or by refinancing and going to a weekly or bi-weekly payment. (These articles date back and despite enough publicity, most people have not taken the time to investigate these true savings.)

 "When prepaid on a bi-weekly schedule, a $70,000 mortgage at 10.5% annual interest produces a savings of $60,000 compared with a standard 30-year payback." - Wall Street Journal, January 18, 1989 

"If you have a $100,000 bi-weekly mortgage instead of a regular 30 yr mortgage at 10.5 percent interest, you could save nearly  $86,000 in interest over the life of the loan."- Consumer Reports, June 1988

 "The result on a $100,000, 30-year mortgage at 10%,is that you can burn your mortgage in just under 21 years and save $78,359 in interest." - Money, April 1988 

Those in the media and financial community are unanimous in their support of the bi-weekly prepayment program. Here are some other examples I found. Although the interest rates are higher than they are currently, the basic math and strategies to reduce your outstanding "debt" are still valid. Examples of dramatic savings you can achieve by using this formula. 

 

 

"Wow! What a great system you have developed. I am currently building a
house and I have a local lender working on a mortgage for me, but will use
your system to get a better rate. Thanks for your help, again I'd like to say
what a great system.... I have already started telling people I know around the
country." 

J. Arroyo, Sr. - Orlando, FL 

 

 

Why Refinance your Mortgage?

 

1. On a loan of $125,000 at 11% for 30 years, by prepaying a mere $25 monthly, save $47,538 in interest costs. Few if any investment gives you such a fantastic return for such a small outlay. What's more, you'll own your home free and clear almost 4 yrs sooner and you keep the $47,538 in your own bank. 

2. If you borrow $100,000 over 30 years at 10.5% you will wind up paying $329,306 by the end of the loan. That's $229,306 more than you borrowed! This same mortgage you will pay off in only 21 years 10 months. by using weekly payments. (savings of $82,093 in Interest alone)!

3. A 30 year fixed rate mortgage at 9.5% would cost you $202,708 in interest ofer the life of the loan. On a bi-weekly payment, you will shorten the life of the loan by 8 and a half years and only pay $132,931 in interest with savings of $69,777 in interest costs. 

4. Example Using a $100,000 Loan At 8.5% Standard 30 Year Loan Current payment PITI $1000 Total Interest $176,811 $500 Bi-Weekly**   Paid off in 21.2 Years Total Interest Paid $115,784 You Save $61,027 

5. On a 30-year, $100,000 loan at 8.875%, you pay $186,432 in interest. A bi-weekly payment plan saves you 24%, or $69,395! 

 

Free Quotes receive the Lowest Mortgage Rates Online!

 

 

 

 

Real Estate and Finance News

 

 

 

 

 

 

 

David W. Clark & Associates

2261 NE 67 Street

#1808

Ft Lauderdale, L 33308

24 Hr Voice Mail (716) 553-4915

 

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Please independently confirm all information before paying for any products or services. Due to the litigious nature of our society, The Publisher can not and does not warrant or guarantee or make any representations regarding the use of, or the result of the use of, any of the information, programs, or any of the offers contained on this site, in terms of accuracy, reliability, correctness, currency,  or otherwise, and you rely on the information, programs, offers, and the results solely at your own risk. We endeavor to be as accurate as possible, however, please independently confirm all information before paying for any products or services.

 

 

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