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Shop Smart & Lower Your Post-Holiday Stress!

By myfirstcho6600809, Nov 13 2018 07:56PM

You love showering others with special gifts during the holidays. But you don’t like facing mounting credit card debt to make that happen!

Last year, the average amount of post-holiday debt was $ 1,054, according to personal finance site MagnifyMoney. Only half of the consumers said they could pay off their holiday debt within three months.

Sure… Give yourself Some Credit!

Credit cards aren’t all bad. You need different open credit lines to prove you can manage debt.

However, when you shop with a credit card, set a limit for holiday gifts, track your spending and have a three-month pay-off plan for your holiday debt.

Smart Spending Means Better Mortgage Financing

Pay your bills on time and keep your credit card balances low – at least under 30 percent of the limit on each – so your credit score stays high.

A good credit score helps you qualify for the best possible rates for a purchase or a refinance.

Sixty-nine percent of mortgage borrowers have FICO score of 700 or higher, according to a recent report from Ellie Mae, leading development of mortgage technology.

Rely on us to help you save money on your next mortgage!

Call us today.

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