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you are here: DentalPlans.com > Dental Health Articles > Home / Garden > Why Now is a Good Time to Refinance
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Updated: 6/28/2007 7:05:40 PM |
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 (ARA) - Tired of living paycheck to paycheck? Feel like your budget is stretched so thin, there's no way you'll ever get your credit cards paid off? If so, you're not alone.
Americans have $2.4 trillion in credit card debt, and according to Cardweb.com, that breaks down to an average of $8,000 per household. Because in many cases people are only able to pay the minimum each month and interest keeps getting added, there's no hope of paying it off any time soon.
Desperate for a solution? If you own your home, and have lived there for a while, it's staring you right in the face. All you have to do to get some extra cash every month is refinance.
Afraid you won't qualify because of your high debt to earnings ratio? Fear not, everyone who has equity in their home is eligible. LowerMyBills.com is a company that will help you get matched with lenders interested in doing business with you.
Once you log on to www.LowerMyBills.com, you'll be asked to fill out a form with some basic information about your situation, and lenders will contact you directly with their best refinance offers.
Want to get an idea of how much you can save before proceeding? Here's a simple example: Say you took out a $200,000 loan 10 years ago at a rate of 8.8 percent. If you refinance the $178,209.39 balance at the rate of around 5.8 percent for the remaining 20 years, your mortgage payment would drop from $1580.55 to $1263.93. The $316.62 savings is money you didn't have before that you can now put towards your credit card bills every month.
Copyright © 2007, ARAnet, inc.
• Get in touch with top local lenders and find out more about how refinancing can benefit you at www.LowerMyBills.
• For free quotes on a mortgage loan, visit www.ELoans.com.
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