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Wednesday, 26 November 2014

Why refinance?

With the upcoming end of this 2014 year, most people are getting ready for the holidays and the new year. The new year is more commonly associated with new beginnings and new resolutions. has listed a number of the most popular resolutions taken from polls of Americans surveyed every year. The #1 never failing resolution that most people make is losing weight. Shedding that excess weight from the holiday festivities is tough (we’ve all been there), but shedding the excess amount on your monthly mortgage payments does not have to be! (Did you see what I just did there?!)

When individuals refinance, they do so for the purpose of obtaining and lowering their interest rates – thus, reducing monthly payments. As people are able to pay their bills on time and increase their credit score, this increase comes with the flexibility and ability to procure loans at lower rates and save hundreds of dollars a year. Many people obtain money from refinancing for larger purchases, such as cars. “The average homeowner could save $3,000 a year by refinancing at today’s low rates…” Being that I didn’t just make this up, check it out!

If you’re completely convinced by my spiel and you’re considering refinancing, this article provides some tips you should take into consideration before shopping around for the lowest rates and qualifying for them.

As always, if you have any questions/confusion/inquiries, please contact one of our qualified professionals at (800) 890-6875. 


Tuesday, 25 November 2014

Testimonial from Anonymous

“Justin Smith and his team are the best at what they do. Period.”


Sunday, 23 November 2014

Testimonial from Chris

“American Heritage was willing to help me out even when they knew I was not going to use them.  Once the other lender failed to meet my expected level of service American Heritage was there to pick up the pieces.  The level of service and follow up given to me was unparalleled.  I found the loan process to be very reliable and a relaxing experience.  I will recommend American Heritage and Justin Smith to everyone I talk to about a mortgage.  Thanks Justin”

Chris C.

Saturday, 15 November 2014

“After losing your home in the midst of the mortgage meltdown, would you ever want to buy again?”

Jeff Lazerson, of Mortgage Grader, provides insight into that burning question on some homeowners’ minds. He also provides some tips for prospective buyers in how to start bouncing back. Check it out: