Appleton Wisconsin Refinance Success Story: Debbie

Mortgage and Lending with Hartford Financial Services - Wisconsin Mortgage Lender

Appleton Wisconsin Refinance Success Story: Debbie


Debbie, a 65 year old semi-retired school teacher, needs my help. Debbie has a serious cash flow issue.  Debbie’s mortgage payment is way too high and her current lender is too greedy and they will not refinance her Appleton Wisconsin mortgage. Debbie’s interest rate was near 8 percent.  That is outrageous. 


Debbie currently pays more than half of her monthly fixed income on her Appleton Wisconsin mortgage. Debbie has to substitute teach several days a month in order to make ends meet.  It’s tough to do this at that age.


Debbie has above average credit (she pays her bills,) a fixed income (a combination of SSI and small teachers pension,) and a modest home in the country.  


Debbie’s main concern is declining home values.  Debbie thought she was stuck in her current situation and would have to sell her home of 20 years and live in an apartment.  That would simply crush Debbie’s spirit and life. 


Debbie worked her entire life, did the right thing, and she thought there was no hope!




Debbie did not realize that FHA allows Appleton Wisconsin homeowners to refinance up to almost 98% of its value.  We sat down at her lovely home and went through all of the loan aspects and documents.


Debbie was very organized and was able to provide all the pertinent documents for her Appleton Wisconsin Mortgage Refinance such as: 30 days of pay stubs, the last two years of income taxes, her current mortgage statement, her property tax bill, her home owner’s insurance declarations page, 3 months of bank statements, social security awards letter, her retirement account quarterly statement, and the closing paperwork from their current high interest Appleton Wisconsin mortgage. was able to get Debbie her new Appleton Wisconsin Refinance Mortgage in less than 3 weeks. was able to lower her new Appleton Wisconsin refinance mortgage payment by $300, cut her Wisconsin interest rate in half, and escrowed her taxes and insurance. This new mortgage allows Debbie to stay in her home with some peace of mind. 


If you are ready to purchase an Appleton, WI home or need a Appleton Wisconsin mortgage, please call me at 920-623-9245 or visit my sites: and!

You may now be eligible for an interest rate reduction. We may not require income documents or appraisal report to modify your existing Appleton Wisconsin mortgage to a lower rate and reduce your monthly payment! We recommend that you call to see if you qualify for the program.


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MaryKay Shumway
The Kellstrom Ray Agency, Inc. (Est. 1948) - Sister Bay, WI
Door County Wisconsin's Real Estate Expert

Great post and great reminder about FHA loans.

Feb 09, 2012 04:45 AM #1
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Frank Pabon

USDA, FHA, Appleton Home Loans 920-319-5368,
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