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Lower My Bills Re-Finance:   If you refinance you might be able to pay off credit cards and auto loans, then you would have only "one" nice tax-deductible mortgage payment.   See below....

Did you know that The Federal Government is mandating that all credit card companies raise your minimum payment, and in many cases the payment will double.   Lower my bills

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Real Life Example from June 2006 refinance to Lower my bills. 
New loan amount $164,250

Old Monthly Payment		New Monthly Payment
Current Mortgage:	762.00	New Mortgage:	1,050.00
Citrus Bank Auto Loan	314.00	Citrus Bank Auto Loan	0
FIA MBNA Credit Card	278.00	FIA MBNA Credit Card	0
MBNA Credit Card	260.00	MBNA Credit Card	0
TNB Visa Credit Card	79.00	TNB Visa Credit Card	0
Chase Credit Card	63.00	Chase Credit Card	0
Discover Credit Card	44.00	Discover Credit Card	0
Lowes Credit Card	15.00	Lowes Credit Card	0
Sears Credit Card	15.00	Sears Credit Card	0
Capital One Bank Loan	30.00	Capital One Bank Loan	0
THD/CD USA	10.00	THD/CD USA	0
Bealls Department Store	20.00	Bealls Department Store	0
Old Total	1,890.00	New Total	1,050.00
Saving this person $840 a month ($10,080 a year)

The Federal Government is mandating that all credit card companies raise your minimum payment, and in many cases the payment will double.

Lower my bills