Refinancing in today's market - Don't wait for lightning to strike!

The growing popularity of Adjustable Rate Mortgages (ARM's) in the past few years has resulted in a unique economic situation. Over two trillion dollars of adjustable rate loans will be ending their introductory period in the next 24 months alone, resulting in significant payment increases for borrowers!

With rates on the way back up, many homeowners are thinking the chance to refinance has passed them by. BUT IF YOU:

• Hold an adjustable rate mortgage (ARM) that is coming to the end of its "fixed" period
• Used a second mortgage to avoid paying PMI
• Are feeling the heat from credit card minimum payments DOUBLING this year

Refinancing may still be a money saving option for you!

In addition, rates are still well below their averages for the past 20-30 years! If you:

• Want to consolidate debt
• Need money to pay unexpected expenses (medical bills, college