Joan came to us from the City of Guelph after being turned down by her bank.

She had big plans to renovate her house and wasn’t about to give up after the branch she had been dealing with said it couldn’t be done. Joan and her husband had excellent credit and good incomes. But they had a lot of debt because banks love to roll out all kinds of credit to people to with good incomes and great credit.

We looked at her situation and found a way to pay off all their debt and get Joan enough money for the new kitchen. The couple were in shock when we told them their total payments were going down by over 1500 dollars per month. And funny enough, her new kitchen would be tongue in cheek, FREE.

“There must be a catch,” they said. We told them,” no catch”. The difference between us and the banks is we work in the client’s best interests first and foremost. The bank works for their profits…billions of dollars of your money. So we told them it made absolutely no sense for the bank to pay off your higher cost debt because that’s how banks make their money.

Well still not convinced, Joan and husband went back to the bank, to give them one last chance to do their new mortgage. Once again, the bank told them, it cannot be done.

So the clients refinanced with us, paying all their debt off and coming out with a $150,000 in cash for their new renovations.

We hear the new kitchen is just about complete.