When you’re able to refi and pay off higher interest debt?

    That’s Debt Consolibration

    Get ready to experience Cashoutuphoria.

    All it takes is a few minutes to fill out this form

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    { The happiness you’ll experience when you refinance and get cash out for just about anything you can dream of }
    At TMS, we know higher interest debt (like credit card) can be overwhelming. That’s why it may be the perfect time to refi and use your home’s equity to get cash out. It’s an easy way to consolidate your debt into one, easy-to-manage monthly mortgage payment.
    A refi could be the perfect option
    Especially when you consider TMS has some of the lowest rates in the industry, and that a cash out refi rate is typically lower than a home equity loan.
    • Interest on your mortgage may be tax deductible, while credit card interest is not1
    • A cash out refi (That’s Cashoutuphoria) with one of our lowest interest rates may mean more money in your pocket — especially when you consider the average interest rate on a mortgage is 4.75%2 and the average credit card interest rate is 20.9%3
    There are many ways to experience Cashoutuphoria
    High credit card interest rate vs. low cash out refi interest rate. The choice is easy
    Get cash out for home improvement projects
    Pay for college tuition

    1. Not all mortgage interest is tax deductible. The Money Source Inc. does not render tax advice. Individual circumstances are unique and we recommend that you consult with a qualified tax advisor for your specific needs.
    2. 30-year fixed rate mortgage interest rate as of 12/19/2018. https://www.bankrate.com/finance/mortgages/current-interest-rates.aspx
    3. Average cash back credit card rate as of December 2018. https://www.valuepenguin.com/average-credit-card-interest-rates

    By refinancing your existing loan, your total finance charge may be higher over the life of the loan. Loans with cash out or other specific circumstances may require an appraisal. Cash out available is dependent on specific loan scenario, appraised home value, available home equity, and may include other qualifications related to the completed loan application.

    PLEASE NOTE: You have not been prequalified or preapproved for any product or service by The Money Source Inc. This is not a commitment to lend.

    Arizona Mortgage Banker License #0934427; Licensed by the California Department of Business Oversight under (1) California Finance Lenders Law License #60DBO52992, and (2) California Residential Mortgage Lending Act License #4131177; Colorado Regulated by the Division of Real Estate NMLS #6289; Delaware Office of the State Bank Commissioner, License #012734; Georgia Residential Mortgage Licensee, License #23709; Massachusetts Mortgage Lender License #ML6289; Licensed Mortgage Banker - NYS Department of Financial Services License #B500814; Oregon Mortgage Lending License #ML-5211; Rhode Island Licensed Lender License #20092581LL; Texas Department of Savings & Mortgage Lending Mortgage Banker Registration NMLS #6289. TX Location: 5001 Spring Valley Road, Suite 800-W, Dallas, TX 75244.

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