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Tristan Hunt

Tristan Hunt is a seasoned financial professional with a wealth of experience in the mortgage industry, advising clients on debt consolidation, refinancing & investor loans. Phone: 800-515-8443 Website: http://www.RefinanceOne.net


Articles by this Author

Its that time of year again, and homeowners from coast to coast are feeling the pinch in their pockets from the financial stress of the holiday season. Retailers across the country are reporting record breaking consumer spending, and in the era of big ticket items like the Ipod and HDTV, its easy to see why consumer credit card debt has reached an all time high. All of this spending is occurring at a time when the average Christmas bonus doesnt cover quite as much as it did a few years ago, and overtime hours are on the decline. Many homeowners are looking to the recent reduction in home loan interest rates, still historically very low, to help clear up high interest, high payment credit card debt. And theyre not just stopping at their credit cards, whose minimum payments are on the rise industry-wide. All types of payments, from student loans to car loans, are cheaper to pay for each month when rolled into a refinance, and a growing number of homeowners are taking advantage of innovative new mortgage products to help them improve their debt to income ratios and preserve their quality of life.

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This week, I'd like to share some customer experiences with one of the most popular new strategies in debt consolidation refinance. Over the last few months, a select few in the mortgage banking industry have developed programs which allow borrowers to accomplish the 3 greatest goals of debt consolidation: Get Cash to Pay Off High Interest Debt, Lower the Overall Monthly Minimum Payment, and Boost Cash Flow to allow borrowers to save up money in a short amount of time. The benefits are nearly indisputable: Higher Credit Scores, Lower Monthly Minimums, and Greater Flexibility. But one of the biggest criticism of debt consolidation is that borrowers who consolidated their debts were still not saving enough money after the refinance, and needed to tap into home equity repeatedly to achieve their final goal. What if I told you that there is a new loan product available today which allows you to do all of these things, but also allows you to Make No Payments for 90 Days, with 0% interest due over the introductory period?

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Over the past several months, an increasing proportion of our callers from coast to coast and from all walks of life are experiencing a homeowner's worst nightmare: Foreclosure, the act by which a lender may demand the liquidation of your property at auction in order to satisfy a delinquent loan.

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With all of the options available to homeowners today, adjustable rate financing is a common topic of discussion at our offices. The 3 most popular Adjustable Rate Mortgage (ARM) types today are Hybrid ARMs, Option ARMs, and Hybrid Option ARMs. Sound pretty similar don't they?

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1% Mortgage Refinance - How?

By Tristan Hunt | Published 12/31/2006 | Real Estate |

1% Mortgage Refinance loans, you've probably seen 100 different advertisements, but how is it possible? There is really only one big secret to 1% mortgages: 1% minimum payments are below the interest payable on the loan.

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