Use Your Home Equity to Pay Off Your High Interest Credit Cards

Card

Card

If you are motivated to pay off your high-interest credit cards or other debt, you’re not alone. Fortunately, there is a way to generate additional income to pay off your debt with something you already have–your home equity.

Because home equity loans are secured loans (credit cards are unsecured), they almost always offer much lower interest rates. This lower interest rate will lower your monthly minimum debt payments significantly.

Find out more about utilizing your home equity to pay off debt with TwinCity Lending here.

In this article, we will discuss three ways to use your home equity to free yourself from debt.

Option #1: Refinance Your Mortgage Loan

Refinancing a mortgage loan is an excellent way to drastically reduce your monthly debt payment while slashing the often high-interest rates credit cards charge.

In 2018, the average interest rate of new credit card offers was 16.73%. Contrast that with the average 30-year fixed mortgage refinance rate, which was 4.52%.

There are several other factors to consider, including the additional length of the mortgage loan. However, you stand to cut your monthly debt payments by a sizeable amount instantly with this option.

You likely will not know the precise terms of your refinancing loan until you start applying. You can, however, estimate the benefit of refinancing based on:

  • Approximate closing costs.
  • Your home’s value.
  • How your credit-worthiness will affect a change in the loan’s terms.

Many easily accessible mortgage refinance calculators will help you figure out when the savings will surpass the costs. This break-even point is one of the most important things to consider.

How it compares to how many years you plan on staying in your home is very important.

To calculate your break-even point, divide your total costs my month-over-month savings. The result equals the number of months required before the savings surpass your refinancing costs.

Option #2: Home Equity Loan

House Key

Ever since taking out your first credit card, you probably had dreams of owning your own home. Now that you do own your house, you can use its equity to pay off some of your high-interest cards, and other debt.

home equity loan has an advantageous interest rate for the duration of the loan. It is a fixed interest rate, and you will have the opportunity to free up extra cash to pay off debt every month.


Other advantages include:

  • Fewer upfront fees compared to refinancing the mortgage loan
  • No paying extra to pay the loan off (no early pre-payment penalty)
  • Tax deductible

Remember, because it is a secured loan, a home equity loan will almost always offer a much lower interest rate.

Interest on a mortgage is tax deductible. In general, you can claim interest paid on your home equity loan in the same manner you do on your original mortgage. Compare this to other loans, which include no tax advantages.

Thus, the more your mortgage interest is, the more you may deduct from your taxes. Therefore, this type of loan can be very advantageous when used to pay off high-interest loans. A car loan would be one example of this.

So that they are competitive with other kinds of loans, home equity loans present many advantages. For example, a home equity loan typically carries a fixed interest rate and a set monthly payment. This monthly payment never changes.

You can often choose the length of the loan term, which will lower or raise your monthly payment accordingly.

In some cases, lenders offer adjustable-rate home equity loans. With these, interest rates may go up or down, fluctuating your monthly payment. The fluctuation is dependent on the national prime interest rate.

So if you are interested in paying off your debt, why choose an adjustable-rate home equity loan? These loans often start at a lower interest rate, thus freeing up more cash flow to address your debt at a lower interest rate.

However, keep in mind the interest rate can increase at any time, thus increasing your monthly payment.

Option #3: Home Equity Line Of Credit (HELOC)

Hello

Taking out a line of credit with your home equity is the most flexible option. You will be approved for the entire amount of equity, but you will only be charged interest on what you use.

Additionally, whatever you money you pack back will again become available for you to borrow from.

Just like a home equity loan, interest rates on a home equity line of credit are usually low.

This will free up liquid assets for you each month to pay off any outstanding debt you may have. Better yet, you can take out a line of credit of any amount up to your total home equity value.

The flexibility of a home equity line of credit (HELOC) makes it an appealing choice for paying off debt. Some more benefits:

  • They are 100% liquid, as good as cash in the bank.
  • They are often eligible as forms of down payment.
  • Relatively inexpensive compared to a home equity loan.

How Home Equity Loans Affect Your Credit Score

Another advantage of home equity loans is the positive impact it will have on your credit score. Your credit card accounts carrying balances will now have fully-available credit limits.

Because of this, your debt-to-income ratio is significantly lowered. Because this ratio represents a third of your credit, your credit score will rise quickly with this reduction in credit card debt.

The Importance Of Selecting The Right Mortgage Lender

Business Meeting

Taking out a home equity loan to pay off your debt can be a great strategy. However, not all mortgage lenders have your best interests at heart. It is important to discuss the decision with your family and pick a lender who is right for you.

Refinancing your mortgage offers many benefits, including reducing your interest rate and monthly payment. It also can allow you to extract cash from the equity you’ve generated on your home.

TwinCity Lending is Minnesota’s premier mortgage company and takes pride in offering the best home equity loan rates. Learn more and get a free mortgage review today.

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When folks look for an Cookware woman, a large number of realize that Asian women of all ages will be difficult to find since deliver purchase brides to be. It is actually a fact the demand for Cookware girls will be enhancing, but the demand for Asian adult men is normally boosting also.

The particular divorce amount throughout Indonesia is usually increasing and even more German born females that are looking to obtain married how does a mail order bride work and find the A language like german spouse than men. Typically the financial in The european union has turned this even more difficult for any Eu guys to find Asian wedding brides mainly because Asian girls are actually more difficult to look for inside European countries than in Cina in addition to The japanese.

As the Chinese are less frequent in the us compared to they may be in the some other Asian countries, they are not as effortless to look for as some want. To uncover the Cookware snail mail order woman supply by china manufacturer, it is advisable to take a look at China itself. Which means gonna India themselves or perhaps sending an individual right now there to satisfy the girls that are available.

A lot of the all mail purchase brides to be supply by china manufacturer come from the urban centers regarding Hangzhou and Shanghai in china. However, many of these go to the Chinese metropolitan areas of Guangzhou plus Shenzhen.

Foreign mail order brides to be also can find Asians within the Korea or even To the south Korea. Typically the Thailand is very favored by typically the American adult men who have been to Korea and decided there. The two spots include significant Korean language complexes, but mainly because Koreans are certainly more urban and are also significantly less very likely to inhabit non-urban regions, they can be less liked by the looking for an Cookware spouse.

In lots of from the places throughout Japan which are very popular together with American adult males trying to find Asian ladies, the mail purchase birdes-to-be happen to be in the places, not the agricultural parts. For instance , it can be better to discover Asian women from Singapore, compared to it is to find Oriental women of all ages through elements of Burma. Needless to say there are many associated with some other states where with regard to ship order birdes-to-be by Parts of asia is normally increased, although you will discover less of those.

One more of which snail mail purchase wedding brides coming from Parts of asia are less typical in america is the fact their age is not that frequent. Almost all of the mailbox purchase wedding brides through Parts of asia are usually in between 25 together with thirty-five. The particular Oriental girls in the United States do not usually are for the reason that classic.

Usually the females of which your United states of america along with American partners to flee poverty, or to become a member of typically the military, are just 14 years of age, as well as for essentially the most component Asian women of all ages are usually very much youthful. You will discover exclusions, yet , plus a several pretty rich Hard anodized cookware young girls by Hong Kong need gotten to age fourty, but not various.

Typically the Offshore postal mail order birdes-to-be are generally in their thirties plus forties, and the men which are in fact purchasing these types of birdes-to-be have the option associated with spending money on all their honeymoon vacation which is definitely not generally problems. Should you chooses to cover the vacation, this typically depends on the price of typically the honeymoon vacation, and also the quantity of a short time you wants typically the honeymoon in order to previous.

Many of the Hard anodized cookware mailbox purchase brides which can be prepared to have sexual intercourse together with overseas males, may explain to typically the Asian adult men likely right from Hk or Taiwan, but they are definitely coming from Vietnam or even Malaysia. Generally this is certainly just for present, in case the particular guy normally takes the time to explore the female just before he / she determines whether or not in order to get married to your ex, he will probably find out that the woman with not just attractive, nonetheless seems to have excellent ways.

It sounds as if the mail order wedding brides via Parts of asia are much more difficult to find in the usa, compared to email purchase wedding brides from other Parts of asia. Nevertheless it can be done to get a few seriously delightful Oriental brides to be inside Most of asia, and they also can be quite comfortable.

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Postal mail order wedding brides are a few of the most preferred brides to be with the occasion which is extremely because of the highest quality in addition to acceptable prices worth mentioning services. You can’t discover some other services which could give you exactly what a university mail order woman can easily, with no included costs of existing overseas in addition to healthcare charges. Although there couple of who do have such a system, good results . benefit expense, they are not popular. So this article could highlight some tips to make you select a deliver buy woman and perform ideal of your foreign marriage without paying excessive funds.

Once you know methods to understand the internet together with evaluate costs, you might have an appropriate decision on the right selling price. Naturally , it is crucial that you choose the right one particular because you will probably be paying for your ex by themselves, so it will be critical that you just find the right one. The organizations you select should certainly give you expertise that may perform your preferences that you want inside a perfect match of this star of the wedding plus the future husband.

Make certain you will likely give a simlar amount as if you are likely to marry in the area where you want to get your own foreign marital relationship, mainly because which is the the very first thing for virtually every in order to work efficiently. Thus guarantee that the agency supplies the very same prices for the one of many country that you will get married to within.

Make certain the mail buy woman Japan provides a serious place as well. Additionally, it is important that you know the dimensions of the correct of this corporation that is to be big event location. It would also be very good in the event the marriage organization provides you with a temporary place of your stay whilst you have got to procedure of obtaining documented with these.

You have to remember that in the event that you where to be able to get married to in your home country, you may have to cope with problems related to legalities. So it is advised which you go with a company that is close to the place where you are planning to possess the foreignmarriage. While you usually are married within a international country, it really is continue to essential that you delight in the foreign marital relationship.

Typically the foreign services involving -mail order new bride Japan is also accessible to birdes-to-be that are considering their particular aspire to have a very foreign matrimony. Even though some organizations will give you a number of expert services, you will need to possibly be choosy. The companies offering this kind of service can adjust to according to the requires of the brides to be.

A few of the submit buy bride firms will provide you with expertise for your bridesmaids in addition to groomsmen at the same time. That is helpful if you don’t have sufficient visitors to go along with you as you find bridefindsnet married overseas.

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Vital Home Maintenance: Protecting Your Investment

Tools

Tools

Your home is potentially the most important investment you’ll ever have. Keeping your investment in tip-top shape helps it to maintain or even increase its value over time.

If you’re like most homeowners, you might imagine that home maintenance equals thousands of dollars of expenses going into a new roof, water heater, or massive kitchen and bath renovations.

We’re here to let you know that maintaining your home is easier than you think. We’ve got several items for your maintenance checklist that you can mark off on your own. Read on for all the details.

From the best interest rates to professional and trustworthy customer service, TwinCity Lending is your go-to lender from pre-approval to closing. Call us today and speak with one of our lending specialists about your new home loan or refinance.

Start by Checking Your Home at the Top

Roof

We suggest you take a good look at your roof first. Every season, be sure to stay on top of curled shingles, missing shingles, old or worn-looking sections of your roof.

Clear away sticks or branches–they encourage pests to hop a ride onto your structure.

Some minor roof repairs are easy to manage on your own; others may involve calling in a professional. If you don’t know what’s up there, though, a small problem can become a catastrophe surprisingly fast.

Next, check the attic. Your insulation should be fluffy and functional, with a proper R-value (the rating that measures the efficiency of your insulation.)

As a rule of thumb, you should not be able to see the joists beneath the padding. This rating typically equates to about 10-14 inches of material.

If you’re running a little low, you can add new loose insulation (the kind you blow in) over the old material, as long as there is no plastic barrier of any kind between the two different elements.

If you determine you need more insulation, it may be best to call a professional to do the job safely.

Also, having a good look around the attic will give you a chance to check for pests like bats, squirrels, or bug damage to your wood beams.

If you notice the signs of critters, call a pest removal service to help you determine where the access points are, and to remove any unwanted guests.

Spotlight on the Exterior

House

Now, carefully inspect the outside of your home. Are there siding cracks or missing panels? Are your gutters in good shape? What about the seals around your door and window frames?

If you’re noticing a few trouble spots, you might consider getting an Energy Audit from your local power company. There are also many independent vendors that perform this service for their would-be customers.

You can schedule an energy audit in most regions for low to no cost, depending on the provider. Try a Google search for “energy audit near me,” and you’ll have a straightforward list of resources at your fingertips.

Basements are Always Interesting

Fungus

Basements have the potential to be maintenance “hot spots,” depending on the age of your home, your region, and your weather patterns.

In the basement, keep an eye out for the following:

  • Small patches of moisture, especially around the seams in the foundation
  • Bugs of any kind, like spiders in large numbers, silverfish, roly-poly worms, or centipedes.
  • Drainage problems
  • Sump pump function–test and inspect often
  • Water heater corrosion on the bottom panel
  • Washing machine hose connections and drainage
  • Water softener age and function
  • Water pressure gauges (extensively high water pressure puts extra wear and tear on your appliances and pipes, not to mention wasting water and adding to your bill. Check your water pressure periodically with water faucet pressure gauge to be sure you’re staying in the “safe” zone.)
  • Water heater temperature. A setting of 120 degrees is the most energy efficient.
  • Age and efficiency of furnace and whole-home air conditioning systems
  • Dirty air filters in the HVAC. Change them every couple of months.
  • Adequate pipe insulation, especially in crawl-spaces, to prevent pipes freezing and cracking.

Some basement issues, like high water pressure, air filter replacement, and rock salt for your water softener, are easily monitored or repaired on your own.

When you notice small issues becoming bigger, get a repair estimate right away from two or three service providers. It’s vital to have someone you can trust for preventative solutions as well as emergency repairs on speed dial.

Strategize Larger Repairs and Updates

Remodeling Home

When you know you have a substantial repair project or a cosmetic update you want to add to your home, plan for it in advance.

Roofs, kitchens, and bathrooms are typically among the higher-cost projects in the general homeowner maintenance plan. However, appliances and exterior work can also tend to “break the bank,” especially when emergencies happen.

When your spot-fixes are no longer enough to solve the issue, begin planning and saving for replacement or renovation. Tackling one large project per year is a place to start your strategy.

Are your bathroom grout, household flooring choice, and seam caulking getting on your last nerve already? Begin now to craft your repair or renovation budget with estimates and materials planning.

You’ll want a clear picture of how your strategic plan can help you save on future maintenance. It pays to spend a little more upfront on higher quality appliances and materials if it saves you time, money, and trouble later on.

Save up the money you’ll need over several months, and then pull the trigger on your project without plunging into debt, or worse yet, getting caught in a nasty surprise when the shower breaks or the floor joists are rotten with moisture.

When you stay on top of your small home maintenance repairs, they are less likely to become huge, expensive, disasters.

At TwinCity Lending, we’re here to help you keep your investment in prime condition for as long as you own your home or rental property. Call us today for more information on our new home loanshome refinance, and home equity products. Let’s build your wealth and keep it valuable together.

Engaged and getting married has become a great deal much easier through the years, considering the advent of the online world. Marital relationship web sites just like eHarmony currently have helped a great number of individuals find their soul mate. As an single lady, you too can leverage the superb prospects proposed by internet dating providers. You do ought to keep a few matters at heart despite the fact during your search for a other half through these sites.

International wedding brides certainly are a penny a dozen. The issue is you will have no idea wherever to begin. You should begin by taking a look at local media reviews or perhaps popular dating forums to determine what their local women in your area are trying to find. One thing which the world wide web has turned less difficult it is figuring out whoms looking for a wedded lady.

Just before having a plunge and even putting your signature on up with any paid online dating service, check out what exactly Eharmony is providing. Many people opt to be part of all their views set on a paid service so they can filter out unsuitable matches. This might be the best technique, but it surely could also leave you looking to go through almost endless information of which don’t appear correct. Eharmony may sort through hundreds of could dating profiles and supplies the criminal background check of every person. Normally, there is a correct meet.

Quite a few marital relationship internet sites, including Craigslist, will even present local online dating services at no cost. When these sites remain very popular, they are not one of the most reputable way to discover a other half. The majority of the girls that apply Craigslist ads to discover a husband or wife don’t actually attempt to produce a romance job. These people just simply end up getting some sort of depressed website visitor to their house.

Make certain you hardly ever outline your electronic mail bank account or some kind of various other personal information. Should this specific you could end up going through a lawsuit. Doing all of your assignments to begin with will allow you to prevent this specific unneeded threat.

Avoid give away virtually any economical details. Some offer you absolutely free tests of products or services, so you can try out all their customer service. Understand that you are interested in the best price, so don’t reveal an excessive amount of sensitive information if you do not happen to be absolutely sure that you might want being betrothed.

Once you have seen a site to fit you perfectly, the next phase is to view the needs just for international brides to be. Many of these web pages require a great straight up pay in prior to they are going to possibly think of taking your use significantly. It means that you’ll want to make a bundle before a time.

During your search for a deliver order star of the wedding, you ought to know that there is lots of scams in existence. You can get dodgy dating profiles, e-mail from deceased individuals, and a lot more. http://bestmailorderbride.co.uk/ Get a respectable online dating service it does not need a big primary investment decision to acheive started.

When each of the needs seem straight forward, be sure to stay clear of background that demand your own social security number. Even though many people always like to keep track of others and this details can prove to be helpful, for obtaining to deliver this until you undoubtedly are a “mail buy bride. inch There is a constant realize whenever you might need it down the road.

Can not believe profiles that will request credit cards amount. In case you have the best account you can do this at most of the significant online shops and so they should certainly be a little more than very happy to offer you a person. These websites furthermore provide a more practical photo of the possible life partner.

Understand that the web investigator is usually observing. You can discover certain information which have been true, somebody there are lots of them. Get a little endurance and become sufferer, you’be wedded quickly enough.

Ideally these tips are already helpful to an individual because you begin looking for an overseas relationship web sites. Research before you buy, look for a good lending institution, and have entertaining. You are pleased an individual does.

Engaged and getting married has become a great deal much easier through the years, considering the advent of the online world. Marital relationship web sites just like eHarmony currently have helped a great number of individuals find their soul mate. As an single lady, you too can leverage the superb prospects proposed by internet dating providers. You do ought to keep a few matters at heart despite the fact during your search for a other half through these sites.

International wedding brides certainly are a penny a dozen. The issue is you will have no idea wherever to begin. You should begin by taking a look at local media reviews or perhaps popular dating forums to determine what their local women in your area are trying to find. One thing which the world wide web has turned less difficult it is figuring out whoms looking for a wedded lady.

Just before having a plunge and even putting your signature on up with any paid online dating service, check out what exactly Eharmony is providing. Many people opt to be part of all their views set on a paid service so they can filter out unsuitable matches. This might be the best technique, but it surely could also leave you looking to go through almost endless information of which don’t appear correct. Eharmony may sort through hundreds of could dating profiles and supplies the criminal background check of every person. Normally, there is a correct meet.

Quite a few marital relationship internet sites, including Craigslist, will even present local online dating services at no cost. When these sites remain very popular, they are not one of the most reputable way to discover a other half. The majority of the girls that apply Craigslist ads to discover a husband or wife don’t actually attempt to produce a romance job. These people just simply end up getting some sort of depressed website visitor to their house.

Make certain you hardly ever outline your electronic mail bank account or some kind of various other personal information. Should this specific you could end up going through a lawsuit. Doing all of your assignments to begin with will allow you to prevent this specific unneeded threat.

Avoid give away virtually any economical details. Some offer you absolutely free tests of products or services, so you can try out all their customer service. Understand that you are interested in the best price, so don’t reveal an excessive amount of sensitive information if you do not happen to be absolutely sure that you might want being betrothed.

Once you have seen a site to fit you perfectly, the next phase is to view the needs just for international brides to be. Many of these web pages require a great straight up pay in prior to they are going to possibly think of taking your use significantly. It means that you’ll want to make a bundle before a time.

During your search for a deliver order star of the wedding, you ought to know that there is lots of scams in existence. You can get dodgy dating profiles, e-mail from deceased individuals, and a lot more. http://bestmailorderbride.co.uk/ Get a respectable online dating service it does not need a big primary investment decision to acheive started.

When each of the needs seem straight forward, be sure to stay clear of background that demand your own social security number. Even though many people always like to keep track of others and this details can prove to be helpful, for obtaining to deliver this until you undoubtedly are a “mail buy bride. inch There is a constant realize whenever you might need it down the road.

Can not believe profiles that will request credit cards amount. In case you have the best account you can do this at most of the significant online shops and so they should certainly be a little more than very happy to offer you a person. These websites furthermore provide a more practical photo of the possible life partner.

Understand that the web investigator is usually observing. You can discover certain information which have been true, somebody there are lots of them. Get a little endurance and become sufferer, you’be wedded quickly enough.

Ideally these tips are already helpful to an individual because you begin looking for an overseas relationship web sites. Research before you buy, look for a good lending institution, and have entertaining. You are pleased an individual does.

Need a Safe Place to Park? Try a 10-Year Bond

Bond

Money

Bear market. Bull market. Trade tariffs, a tumultuous real estate market, buyer panic, buyer confidence. How does a novice investor make smart choices for growing money in the economic times we are all currently facing?

When you’ve made a little money (well done you, you hard worker) and you want to see it grow, making sound investment decisions today for a financially secure future can be confusing at best and confounding at worst.

Today, we’re going to talk about investing in bonds that can help you modestly grow your money while you gain more confidence in your market knowledge. As you learn more about all your choices for investment, you can begin to make sense of all the ways your nest egg can increase as well as the level of risk or commitment present in each investment choice you make.

At Twin Cities Lending, we’re here to help you with all your home financing needs. Call our team for a free mortgage review today.

What are government bonds?

A bond is a way for our government to fund itself from investment from both domestic and foreign investors. Bonds are a low-risk investment, which means that you are very likely to get back what you paid in, and sometimes extra in the form of interest.

There are several different types of government bonds that are selling today. They are:

  • Treasury Bonds: A long-term investment bond, with maturity, dates at 30 years from the date of purchase, this means that you get the full amount of your investment back, plus some interest 30 years after you purchase the bond. Payments on your bond from the government are issues twice per year until the bond maturity date.
  • Treasury Bills (T-bills): These are short-term investment bonds, with a maturity date of up to a year from the date of purchase. The securities get sold at discounts to their face value (similar to seasonal sales at a retail store) T-bills mature between four and fifty-two weeks and pay you the face value of the bond.
  • Treasury Notes (T-notes): T-notes are mid-term securities that mature in two, three, five, seven, or 10 years. The government makes “payments” on these T-notes twice per year, which includes a bit of interest over the life of the note. Interestingly, T-note rates of return are used in the financial world as a benchmark for other markers like mortgage interest rates as well.

In Short Term Investments, Flexibility is Essential

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When looking for a “parking spot” for your money while you make more significant decisions, it’s paramount to have as much flexibility as you can leverage. Ten-year T-notes are a flexible investment option that allows you a lot of choice about when and how to move your money around, should you choose to do so.

Once you purchase a T-note, you could hold onto it for the entire term of the bond, in this example, that’s ten years. If you decide you need the cash or want to change your investing strategy, you can sell the T-notes early on the secondary market before the maturity date.

The Tax Man Cometh, but Not as Much for T-notes

Whenever you decide to invest, you must be familiar with the tax implications of every financial move you make to place yourself in the best position for the growth of your capital.

Ten year Treasury Notes are a great purchase in part because local or state governments do not tax the interest earned from T-notes. That means the money you invest in T-notes can grow without the shadow of taxation down the road as the treasury yield curve on this type of bond builds.

(Check in with your accountant for information on how T-note interest income may be taxed federally, though.)

T-Notes are Easy to Buy

Bond

Many hard-working Americans think they have to have thousands or even millions of dollars to be an active investor and build wealth, but this is not true with T-bills. You can purchase them online at the U.S. Treasury website, or directly through a broker or a bank with a minimum investment of $100. Start with buying a bunch of bonds or just a few in $100 increments.

You could begin to build your money a little at a time by setting aside $100 each month to purchase T-notes if you so desired, which incidentally, could be a great way to build up a sizeable down-payment on your first, or next, home purchase.

Putting money aside into a short-term, low-risk investment like T-notes can help you feel you are progressing toward greater wealth. The money you put away is still very accessible, but also just enough removed from you that you are not tempted to spend your pile of cash before you get to your goal.

Every investment has Risk; be a Smart Shopper

While government bonds held to maturity are guaranteed to collect interest and a full return of initial investment, bond purchasers could experience a loss when selling a T-note before it’s maturity date.

Though bond investment has historically been considered a very safe investment option, interest rates are still subject to market fluctuations. Selling a bond early at a lower yield than when you purchased it means that your capital could reduce a bit.

Talk to your broker or a fiduciary financial advisor (“fiduciary” means the person you work with must advise you based on your best interests, not theirs) to make the best decision for your current financial goals.

If you plan to make a larger purchase relatively quickly (like a home) with the money you’ve placed in T-notes, a shorter term bond may make more sense for you than a longer-term note.

Finally, when it comes to saving money and growing your financial power, you are the best judge of what is right. Take time to evaluate your investment options, consult experts you trust, and make the decisions that fit for your future savings goals as well as your immediate larger purchase desires.

At TwinCity Lending, we are here to help you secure the mortgage product that is a fit for your best future financial outcome. We are proud to offer ethical and friendly service to all our local customers and to provide timely education on financial matters, so you feel confident in the “money” driver’s seat.  Come see us today and let us help you land the home of your dreams!