For anyone who is buried by bills, a Cash Out refinance can be a lifeline that saves you from crippling debt.  Credit cards and other holiday expenses are growing every year.  If you’ve shopped for kids, you know that the toys are more expensive, and that every kid you know seems to be getting more of them.  It’s getting to be where the holidays aren’t affordable, and that’s why we want to help.  If credit card debts are bogging you down financially or you need money this season, you can skip two months of mortgage payments with a Cash Out refinance.

It’s the best time of year to refinance right now.  Mortgage rates are still near all-time lows, home values have exploded due to a combination of low inventory and high demand, and the holiday bills are starting to pile up.  That’s why it’s the best time to refinance, plus you can skip two months of payments with a Cash Out Refinance on top of it!

A Cash Out Refinance takes the value in your home and hands it back to you to help out your current financial situation. Nothing makes us happier than doing a Cash Out Refinance, lowering a customer’s interest rate and giving them the cash they need to pay off credit cards, student loans, vehicles, boats and home improvement projects.  With home values going up, there’s never been a better time to pull out cash from your home and stop paying those high credit card rates.

You can take a Cash Out Refinance right now and pay off your holiday bills, whether you’ve made a home improvement for incoming guests, or you bought your kids too many presents, or you just spent too much entertaining friends and family (or yourselves!).  The equity in your home is yours, and you are free to use it how you see fit.

With today’s low interest rates, you can take cash out, refinance to a shorter term, get a lower rate, and save money every month!  It’s really a win-win.  Stop making those greedy credit card companies rich by paying them predatory interest rates every month.  Pay off those debts under your low interest rate home loan!

Call The Home Loan Expert Team in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515, Nashville at (615) 810-8555 or Birmingham, AL at (205)721-7656.  You can always apply online at for your VA Loan, and for your other mortgage needs, and we’re also open on Saturdays and will come to you to help close your loan. We work hard to make it easy on you.  Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?

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