Welcome to the Zero Balance Program
Zero balance. One loan. 100% peace-of-mind
Today, credit is more readily available than ever before. Unfortunately, more credit often means more debt. And if you’re like most Americans, high-interest balances are putting a strain on your budget and your lifestyle.
Save money. Reduce taxes
A Zero Balance Loan can potentially save you hundreds each month. In addition to lowering your monthly payment, there are tax savings too. Up to 100% of your interest payments may be deductible, making it a smart financial tool.
POTENTIAL TAX SAVINGS
Household Income Marginal Tax Rate¹ Annual Tax Savings²
- $27,500 15.0% $300
- $65,000 27.0% $540
- $120,000 27.0% $540
- $160,000 30% $600
Tax savings are based on $50,000 financed for 20-year term at 6.25% (6.25% APR). The rate and program you qualify for will be based on income, equity, credit history, and prevailing rates at the time of closing.
¹ Tax rates for individuals filing status of single.
² Assumes full interest deductibility at the tax rates indicated. Federal Income Tax rates as of 1/1/2002.
Talk with your tax advisor about how the Zero Balance Program can benefit you.
We’ve got tomorrow covered, too
There’s no question that a Zero Balance Program can simplify your life, improve your fiscal situation, and get you back on track to a healthy financial outlook.
Qualifying is easy
The Zero Balance Program keeps payments low and affordable and doesn’t even require equity in your home to qualify. To find out how to make the Zero Balance Program work for you, give us a call toll-free at1-800-756-0789
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