Hey Everyone,

I need to talk about something that keeps people up at night: debt.

Not your mortgage, that's an investment. I'm talking about the credit cards at 19.99%, the line of credit creeping up, the car loan, and that consolidation loan that didn't quite consolidate everything.

The Math That's Costing You Thousands

Let's say you've got:

• $15,000 on a credit card at 20%

• $10,000 on a line of credit at 8%

• $8,000 left on a car loan at 6.5%

That's $33,000 in debt, and you're paying around $450-$550 per month just in interest alone.

Here's where it gets interesting: roll all of that into your mortgage at today's rates (around 4.5%), and that same $33,000 costs you about $125 per month in interest.

That's over $300 back in your pocket every single month. $3,600 per year.

Your Home is an Asset. Use It Like One.

Most people think of their mortgage as this scary thing they're stuck with. But your home is a financial tool with equity you've been building for years.

When you refinance and consolidate high-interest debt into your mortgage, you get:

• One simple payment instead of juggling five different due dates

• Lower interest rates (4-5% instead of 15-20%)

• Freed-up cash flow every month

• Peace of mind knowing you're actually making progress

This Isn't About Shame. It's About Strategy.

Nobody sets out to accumulate debt. Life happens. But carrying debt at 15-20% (or higher!!!) interest isn't a life sentence.

If you're sitting on more than $10,000 in high-interest debt and you've been in your home for a few years, let's look at the numbers:

• Pull your current mortgage details

• Add up all your high-interest debts

• Run the numbers to see what your new payment would look like

• Compare your options

• Make an informed decision, not a desperate one

The Scary Part Isn't the Refinance. The Scary Part is Staying Stuck.

Five years from now, you'll either think, "I'm so glad I dealt with that," or you'll still be treading water, wishing you'd acted sooner.

Stop managing. Stop treading water. Stop Drowning…

Let's put your mortgage to work and get you back in control.

-Andrew

Text me, right now! 250-919-5474

I don’t say this on a whim, I’m serious, if you text me now, I can show you exactly where you stand within a few hours. No stress, no pressure, no obligation.

Just a simple text that can put you at ease.

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