Title: National Consumer Loans

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"We knew we had to refinance. Our minimum credit card payments were hundreds of dollars a month. Our friends already refinanced their mortgages and told us we should too. We lived in our home for 10 years, and we had equity, but were unsure about applying for a new mortgage, because we have less than perfect credit. I still wanted the best rate, so I decided to be smart. Instead of just calling a bank I decided to let banks and mortgage companies compete for my business. And am I glad we did. By refinancing my home, I've reduced our monthly payments by over $700 a month. With the savings, we're taking a vacation and finally contributing to the college fund we've been talking about for years."

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