I had a couple contact me regarding some consolidation. Before Christmas they had accumulated some debt, and after Christmas seemed to add much more to that balance. We looked at their options and utilized the equity in their home to pay off ALL their outstanding debt AND lower their current mortgage rate from 4.25% to 2.60%.  They are now saving almost $900/monthly just in payments!!!  Now that is a great start to the year.  Need help?  Contact me!