The Holiday season is in full swing! While we all love this time of year, the Holidays can have some very unfriendly side effects on your pocket. The pressure to buy gifts for your loved ones and keep up with all your bills is difficult to do! Tons of people go into debt by getting high-interest credit cards, skipping monthly payments, and not correctly budgeting.

We have the solution that will help you be able to buy those gifts and stay debt-free! That solution is to refinance and to do it before 2020!

Here are 3 reasons to refinance before 2020: 

Get rid of unwanted credit card debt

There is no secret that around the Holidays, a lot of people are maxing out their credit cards trying to get those last-minute gifts. That’s doesn’t have to be you! The good news is that if you refinance right now, you can pay down those high-interest rate credit cards and go into the New Year debt-free.

Lower your monthly mortgage payment 

What is better than not having to use credit cards? Cash! Even with only two weeks left in the year, you can still close on the refinance of your home loan before 2020! Lowering your monthly mortgage payment means more cash in your pocket.

Rates are low

You’ve heard us say it for the last few months and its true, RATES ARE STILL HISTORICALLY LOW. Rates are the lowest they have been in a decade. Refinancing with rates this low can help put you in a much better financial position going into the New Year. The reason you need to act now is that we don’t know when rates will rise again. The housing market can be very unpredictable… take advantage today and contact one of our mortgage experts to receive a free 5-minute mortgage review.


Hall Financial (NMLS #1467435) was formed in early 2016, founded on a common mission: to be the most client focused mortgage company in the industry’s history. We were going to stop the trend of treating homeowners and homebuyers as transactions and instead, welcome them as family. We provide all of our clients with 5-star VIP service. Here, we bring you up to speed and keep you in the know with the latest housing news, home trends, and more!

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