The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Refinance using your home equity and pay less every month. Example: Today's mortgage is $155,000, car loan and credit cards are $20,000 each for a total of $195,000. Roll that debt into a new $198,000 mortgage (including fee to break mort- gage), and look what happens! Mortgage Car loan All credit cards Total $991.70 $600.00 $600.00 $2,191.70 $1 ,162.88 zero zero $1 ,162.88 That's $1,028.82 less each month!