Debt Consolidation Refinance for Bad Spending Habits

I keep hearing these commercials on the radio for a debt consolidation refinance to pay off credit card debt and they are really getting under my skin! These advertisments make it sound like the debt consolidation refinance is the perfect solution to pay off credit card debt and save you thousands. While this may be the only option for some to avoid bankruptcy or to get out from under overwhelming debt, IT SHOULD NOT BE PRESCRIBED AS THE MORNING AFTER PILL FOR BAD CREDIT CARD SPENDING HABITS!

Take it from someone who has made plenty of stupid decisions with money. Trust me…I have paid a lot of “stupid tax”. Before you turn a bunch of unsecured credit card debt into secured debt with a debt consolidation refinance, take a close look at your own spending habits and ask yourself the hard questions. Realize that if you don’t change your spending habits, there is a really good chance that credit card debt will be back before you know it. DON’T call the guy on the radio clearly trying to take advantage of poor spending habits for profit by trying to convince everyone that a debt consolidation refinance is the best way for you to pay off credit card debt...IT MAY NOT BE. Choose to work with a mortgage professional who will give you the information you need to make the right decision for the right reason.

Mike Steplowski
Loan Officer - NMLS# 173480
First Community Mortgage, Inc.
114 30th Ave South
Nashville, TN 37212
Office: 615-964-6714
Mobile: 615-772-7823
Fax: 615-983-8209
mike.steplowski@fcmhomeloans.com

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First Time Homebuyer Programs in Lebanon, TN are available through The Steplowski Mortgage Team with First Community Mortgagage in Lebanon, TN. Many of the homes for sale in Lebanon qualify for down payment assistance programs and/or 100% financing. Combined with potential seller credit, it is possible for a first time homebuyer in Lebanon to purchase a home with little to no funds due at closing.

So much emphasis had been put on buying a home before the tax credit expired by the media, that most potential first time homebuyers are now left with the idea that they have missed the opportunity. This is just simply not true. Through the Tennessee Housing Development Agency's (THDA) Great Start program, homebuyers can get 4% of the loan amount as assistance with down payment and closing costs. In rural development areas of Lebanon, first time homebuyers can get 100% financing though the UDSA's Rural Development program. Combined with potential seller concessions, it is possible for a first-time homebuyer in Lebanon to purchase a home with little to no funds due at closing.

The Steplowski Mortgage Team with First Community Mortgage in Lebanon, TN are first time home buyer specialists. We have the experience and expertise to help lead you through the process. We will take the time to educate you about your options so you can make informed decisions. To get started today simply give us a call at 615-466-5210 or visit us online at www.steplowski.com

The Steplowski Mortgage Team

First Community Mortgage, Inc.

1633 West Main Street, Suite 902

Lebanon, TN 37087

Phone: 615-446-5210

www.steplowski.com