Professional Credit Consultants

Homeowners often use, and abuse, debt consolidation as a financial tool. There are several features common to all debt consolidation loans, the loan payment, the term or length of the loan, the interest rate, the fees and the other terms.

The most common types of loans for debt consolidation can be broken down into four categories, the 100% second mortgage, the 100% full refinance, the 125% second mortgage and the 125% full refinance.

If rates have risen since the purchase of the home, the 100% second mortgage is a homeowners best option, provided that they only need the value of their home to pay off all their other debts. If rates have fallen since the purchase of the home, the 100% full refinance may be the best option.

These guidelines apply to 125% loans also. They typically have higher interest and fees.

A point that most homeowners do not understand is that loan officers are actually salesman. They have a product they to sell. They are often paid straight commission. They will do their best to highlight the good aspects of the product and hide the bad aspects. It is the your responsibility to look at the total loan package, the good and the bad, the short term and the long term cost. Most often this type of debt consolidation will save money in the short run, but cost you a fortune down the road. In most cases, the loan officer will figure for you the monthly loan payment, but ignore the long term cost.

This long term cost is what you need to figure for successful debt consolidation.

At PCCI, we are committed to providing an efficient means of consolidating your debt, we can lower or completely eliminate your interest rates and save you thousands -- getting you out of debt up to 70% faster.

Debt consolidation will...

Slash your monthly payments up to 60%

Reduce or eliminate the interest rates

Give you one easy monthly payment

Drastically reduce your payoff time

Help you obtain Financial Freedom!

Our professional debt consolidation staff can negotiate a payment plan with your creditors to put money back in your pocket right now!

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