With the slow down in the US economy it is important to recession-proof your mortgage and finances.

The average home owner in America has over $10,000 in unsecured credit card debt. Unsecured debt is typically associated with high interest rates and high monthly payments. This extra financial burden is a ticking time bomb for many homeowners, and if they should lose their jobs or have a major financial situation many would be unable to pay. By refinancing all of your consumer debt into your mortgage you can lower your monthly payments and allow yourself some extra money to save every month.

A good loan officer will show you various options. By viewing different scenarios, it will allow you to actually compare the numbers. This way you can actually see which loan program saves you the most money and meets your financial goals.