Home Owners Are Furious With Their Power Companies!

Advertorial

January 4, 2016

Warning: Do not pay your next energy bill until you read this...

There is a new policy in 2016 your current energy provider doesn't want you to know about.

If you own a home and live in an approved zip code: you could be eligible for $1,000's from the government to install solar panels.

Homeowners are surprised to save as much as 70% on their power bill, but they're even more shocked when new subsidies and rebates can cover 99% of installation costs!

With $0 down, you could be on your way to significantly reducing your electric bill in a matter of weeks!

How Do I See If I Qualify?

Step One: Click your state on the map to instantly check your eligibility for free

Step Two: Once you go through a few questions, you will have the opportunity to view rebates and subsidies in your area.

TIP: Those who refinanced through a Refinance Loan Program reduced their mortgage payments by as much as an astounding $4,264 each year.1  See How Much You Can Save >>

TIP: You are not locked into your power company policy if you've already paid your current policy, you can very easily cancel and the balance will be refunded. See if you qualify >>

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THIS IS AN ADVERTORIAL AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE

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The Refinance Loan Rate's #1 program was set to expire in 2015, but since nearly 700,000 American's who qualify have not taken advantage of it, your "loving" politicians decided to extend the program until 2016.   If you have refinanced recently, you may use the Refinance Loan Program (again) to pull cash out your home.  The extra cash can be used to remodel your home or as a clever way to pay off your debt

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The Bank Seems Like Your Friend

Are you one of the thousands of American Families short on cast?  Maybe you have a home in desperate need of repair and upgrading?  Perhaps it is old appliances, a kitchen that's too small, old plumbing, or even another baby on the way.  Unfortunately, you do not have the money to pay for these much needed improvements and upgrades.  Your are not alone.  This is a financial situation many Americans Families face every day - you are spending more than what you are making.  

The first option many families choose is to speak with their local bank with whom they have had a long relationship.  So you walk into the bank and are greeted by a pleasant banker.  You begin describe how you cannot afford to remodel and upgrade your home to provide the level of comfort and safety you and your family deserve.  Any of this sound familiar:  

  1. Reduced Income:  Your spouse is a teacher, and in their new disctrict, this means they do not get paid during the summer months.
  2. Economy Isn't so Hot:  Turns out the product your company sells isn't in high demand these days as software has been replacing the workforce.
  3. Unforseen Expenses:  Your "vintage" home had a pipe burst in the wall which, if you've ever had this happen, you know about the not so small nightmare this is!
  4. Student Loans:  Aside from the two certainties in life, Death and Taxes, you should add Student Loan Debt.
  5. Credit Card Rates:  You have transferred money from one card to another at a reduced rate, but the "teaser rate" expired moving your rate from 0% to nearly 20%
  6. Icing on the Cake:  Back to School shopping for your three kids who need new shoes.

**Don't even get started on how you weren't able to take, what had almost become, an annual family vacation.

Your banker greets all of this with a big smile and several, understanding head-nods by the banker.  "I'm here to help," she says with a strong, reassuring level of confidence.

The Bank Doesn't Like You

"There are a few options the bank can offer you as a long time and valued customer," the banker calmly states as you began to feel good about the future of your family, your suffocating debt, and the poor condition of your home.  

  1. HELOC (Home Equity Line of Credit):  Realizing you may still have equity in your family's home, this is the natural "go to" for any banker.  The bank has a secured loan, may charge a higher interest rate than a traditional mortgage, and the banker herself probably gets a nice commission from all the fees.
  2. Increased Credit Card Line:  Bankers consider this an "unsecured loan" since there is no lien against your home.  Being "unsecured," the bank will charge a higher interest rate.  You, do however, have a lien against you and your family - you have to guarantee the loan personally.  Think that just choked a horse...

You ask the banker about a "Cash Out Refinancing" one of your neighbors told you about.  The banker says a HELOC is the most common choice by her clients.  Of course it is...that's where she and the bank make all the fees!

Simple Trick to Remodel Your Home and Cut Your Debt

You spend the next few days poking around the internet trying to find a solution.  Then BANG!  You find it.  A Refinance Loan Program may be used to pull cash out of your home for a remodel, home improvements, or to cut your debt.  All of this is available by simply using the proceeds from your home refinancing.  A consumer friendly website called RefinanceLoanRate.com immediately tells you how much you can "Cash Out" with only a few simple and easy questions.

What does "Cash Out" mean?  Well if your home is worth more than the amount of your current mortgage, you may be able to refinance and pull money out.  A Refinance Loan Program allows really great interest rates which may be a LOT cheaper than a Home Equity Line and more credit card debt.  

Increase the Value of Your Home

The most brilliant thing about this whole process is what happens after you remodel your home and make improvements.  By using the "Cash Out" feature in a Refinance Loan Program refinance to remodel your home, you may actually increase the value of your home.  Again, by refinancing, your home may go up in value - basically paying for itself!  That will probably be your favorite part of the whole thing...or maybe it's the new big-screen TV you could get as well.   

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