SHOP SMART!

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 $1,381, according to personal

financial site Magnify Money. Of those that borrowed money, 89% said they won’t be able to

pay off that debt in a month.

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 payoff 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% of the

limit on each, so your credit score stays high.

Using credit cards responsibly is worth the effort! A good credit score helps you qualify

for the best possible rates for a purchase or refinance.

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

Call Now!