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We sincerely hope that this site is helpful to you. Please continue checking back as we are constantly adding new documents to assist our clients! Some of the documents come directly from the Federal Trade Commission Consumer Division and are excellent documents, others have been created as a result of areas that many of our clients struggle with!
Don't forget to check out the other Resource Centers for other great resources! Links are located along the left side of page. If you think we should add a specific topic of interest to you, please drop us an email with your suggestion at service@debtstrategies.com. Your suggestions are always welcome & appreciated, because we are committed to helping you achieve your financial goals!
FREE E-Newsletter - Subscribe to a FREE monthly E-Newsletter entitled, "The Debt-Freedom Express". This newsletter provides monthly updates, tips and articles to assist our clients with their debt-elimination & financial goals.
Using Home Equity to Accelerate Debt - The equity in your home may be a powerful tool to assist you in accelerating your debt-payoff & becoming debt-free much quicker than normal.
The DFS Equity Advantage - Read this before purchasing or refinancing your home. Most mortgage lenders and brokers charge junk fees and other misc. charges. DFS is committed to ensuring that you don't pay any unnecessary fees and makes sure you get the best rate possible!
Mortgage Approval Application - DFS assists our clients in procuring a mortgage or home equity loan that meets their specific needs and save them money in closing costs and get the best rates available. We always ensure that your loan will work hand-in-hand with your debt-elimination plan. Debt consolidation is only the first part of the process; debt-elimination is the ultimate goal. We have teamed up with Source Financial to provide the consolidation portion of the process. Source financial works with over 300 lenders with thousands of mortgage programs available. DFS controls the processing of the loan to ensure you pay no junk fees. We can also assist our clients to get the best rates on purchases as well!
Why pay my mortgage off? - The question is... "Why should I pay off my mortgage and give up my tax deduction?" This document explains how much money you will lose it you don't!
Cancellation of Private Mortgage Insurance - Federal Law may save you hundreds of dollars each year. The Homeowners Protection Act of 1998 establishes rules for automatic termination and borrower cancellation of Private Mortgage Insurance on home mortgages.
How to Avoid Foreclosure
Home Equity Lines of Credit - The questions and answers listed in this publication may help you decide if a home equity line of credit is right for you.
Down Payments - Coming up with a down payment.
Qualifying for Low Down Payments
Factors that Affect Interest Rates
Understanding the A.P.R. (Annual Percentage Rate)
Explanation of Closing Cost
Who pays Closing Cost on a home purchase?
Should I Pay Points?
Interest Only Loans
Mortgage Discrimination - Explains your rights under Equal Opportunity Act (ECOA) and the Fair Housing Act (FHA), and what to do if your loan is rejected.
Reverse Mortgages: Cashing In On Home Ownership - How reverse mortgages work. Facts to consider about reverse mortgages.
Reverse Mortgages: Get the Facts Before Cashing In On Your Home’s Equity - Explains how reverse mortgages can help older homeowners who are "house-rich but cash poor" remain in their homes and still meet their financial obligations.
Real Estate Marketplace Glossary - Understand the real estate marketplace talk.
Buying & Selling Timeshares & Vacation Plans - Facts for consumers concerning buying and selling Timeshares and vacation plans.
Keep checking back as more items are added regularly!