Monday, February 18, 2013

Escape Credit Card Debt, TODAY!


Debt Consolidation Loan – Pay Off Credit Cards
Why Consolidate Your Credit Cards and Debt?
Pay Off Credit Cards and Save Money Every Month
Eliminate Credit Cards and Other High Interest Debt
Improve Credit Scores by Lowering Credit Utilized

Consolidate Your Loans With a Debt Consolidation Home Equity Loan

Most people have more than one debt. You may have high interest credit cards, loans and mortgages. To pay off one debt you may need to borrow from someone else, creating yet another debt. The solution to this problem is a debt consolidation mortgage loan. We can help you consolidate your debts and lower your payments by eliminating the monthly payments associated with your credit cards and debts. This is also the first step in improving your credit scores as anytime you utilize more than fifty percent of your available credit card balances, you are causing a reduction in your scores.
If you own a home, you can get a debt consolidation home equity loan. With a debt consolidation home loan you are able to consolidate each of your high interest credit cards, as well as your consumer loans, into one inexpensive and affordable monthly payment with low interest. We specialize in helping you get control of your finances and your mortgages with simple common sense home mortgage loans and solutions.
Debt Consolidation With Home Equity As Security
A debt consolidation home equity loan is a secured loan where your property will be security against the loan. The lender will have a lien on your house until you pay off the home equity mortgage loan in full. While you’ll continue to own your home as loan collateral, the debt consolidation home loan will keep the creditors away and keep you out of bankruptcy. You’ll be able to save a little, because the single monthly payment will be considerably less than the sum of the ones you had before.
The first thing to do once you’ve obtained your debt consolidation loan is to look over the use of your credit cards, so that you don’t use any of them in times of temptation, thereby increasing your debt. This will definitely put you right back in hot water.
Tax Deduction and Debt Consolidation
Another possible advantage is that interest you pay on your equity debt consolidation loan may be tax deductible. Normally, if you add your first mortgage to a new debt consolidation loan, and the total does not exceed 100% of the appraised value of your property, the interest you pay will be fully deductible. Your tax consultant can advise you on the matter, and it’s always a good idea to check with him or her.
We specialize in debt consolidation loans and refinances. Speak with one of our loan officers today to get a free consultation on how much money we can save you every month.

Saturday, February 2, 2013

BBB 2012 Complaint Free Award - Truerate Partners Northbrook, Illinois

A Picture is worth a THOUSAND Words !


Our Loan Officers are now GOLD CERTIFIED Lending Tree Partners

Our Loan Officers are now GOLD CERTIFIED Lending Tree Partners



5 Reasons to Choose a LendingTree Certified Loan Officer
1. Commitment Level: Because LendingTree Certified Loan Officers have committed a large portion of their time and resources to training, consumers can be confident that they are going to have a greater commitment to their customers. The hours and level of training, practice and testing they have committed to shows you that they are serious about being the best in their field!
2. Integrity: One of the core components of the training Certified Loan Officers experience is the importance of honesty and integrity. They are not only taught to provide honest loan quotes, but also to fully disclose every aspect of the loan once they have provided a bona-fide offer. This is a core competency taught in the Loan Officer training. Therefore, consumers can be confident that their LendingTree Certified Loan Officers are fully committed to business ethics and integrity.
3. Financial Knowledge: A key part of LendingTree Certification Training is teaching Loan Officers advanced skills in how to position a mortgage as a true financial tool; not just an avenue to purchase a home or refinance to a lower rate and payment. They are educated in both the benefits and detriments to mortgage transactions, including: equity usage, cash-out, and tax and term implications. Certified Loan Officers are taught to provide unique and substantial benefits and knowledge that most of their competitors do not know or have not been trained in. Because LendingTree Certified Loan Officers are more consumer proactive than their competitors, they help consumers make the best overall mortgage decision for their personal financial situation.
4. Empowerment: LendingTree Certified Loan Officers are also trained in providing multiple loan options so give consumers a better understanding and choice in the programs and products available. This allows the consumer to make the most informed decision possible. They are trained to provide options even beyond what may have been asked for, and to show ways to improve financial situations, based on personal goals, beyond what most consumers know are available. This empowers the consumer to choose the mortgage that is best for them. The Certified Loan Officers role is that of a consultant and guide, not salesperson!
5. Personal Care and Service: The most important quality we teach Certified Loan Officers is the importance of caring for their customers’ needs and providing the best possible service available. Their goal is to make a normally complex and intimidating transaction as enjoyable and as easy as possible while helping the consumer understand BOTH their needs and goals at a level no one else has displayed. Our motto is “customers first”. Therefore, consumers can be confident they are working with someone who is truly committed to their well-being and wants to help with one of the most important financial decisions ever made.

Call me Today and I will introduce you to Mike Schenk, Anthony Pipitone and Christi Murphy. Gold Certified, and Highly Trained.


Steve Banass
Director of Quality Control
DIRECT:  (224)-374-1470
Toll Free (877) 278-9558 xt 7007
TrueRate Partners
350 Pfingsten Road Suite 103
Northbrook,  Illinois   60062