We provide answers to the Need to know questions such as... How can we lower our payent load? Can we consolidate all our credit card debt? How can we use the equity in our home to finance our retirement? Can we get a mortgage to buy land? Can we refinance our present property? Can we buy another property? Can I afford to buy my first home? Can I buy a yacht? Can I afford to quit my job and buy a business? Is it to late to stop a forclosure on my home? These are important questions that demand fast, clear answers.