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In 2023, the United States Congress passed a significant piece of legislation known as the Trigger Leads Abatement Act. This Act aims to protect consumers, especially those seeking residential mortgage loans, from a practice called trigger leads. But what exactly are trigger leads, and why do they require legislative attention? Let’s break it down in…

If you’re a homeowner thinking about refinancing your mortgage, you’re in the right place. Refinancing can sound a bit complicated, but it’s just the process of getting a new mortgage to replace the old one. This can help you get a lower interest rate, reduce your monthly payments, or even take out cash from your…

Introduction With interest rates at historic lows in recent years, many homeowners have jumped on the opportunity to secure a mortgage at a favorable rate. However, life happens, and you may find yourself with additional financial obligations like a second mortgage, a Home Equity Line of Credit (HELOC), credit card debt, or student loans—all of…