Millions of Americans will fight their Turkey hangovers this Friday to wait in line for a chance at a discounted TV or other consumer product. Isn't getting a great deal on Black Friday what the American Dream is all about?

Joking aside, while it IS nice to get a discount on anything you're buying this season, please don't miss the forest for the trees.

A mortgage refinance could save you hundreds monthly and tens of thousands over the life of the loan. While everyone else is busy elbowing each other for position in line, you can sit comfortably at home knowing you've saved more on your mortgage than you ever will on holiday purchases.

Speaking of holiday shopping, a recent survey shows that nearly 3 in 5 (59%) holiday shoppers incurred some credit card debt during the 2018 holiday season, and 35% of those who did say they’re still working to get it paid off. If you haven't looked at a debt-consolidation mortgage yet, do yourself a favor and fill out a free consultation at Townstone.com because credit card debt can be a financial pit that's nearly impossible to pull yourself out of.

To our listeners, customers, family, and friends: wishing you all a Happy and Healthy Thanksgiving.

Heading into the New Year on a high note and a low rate! Abridged show today, Barry had to leave and Zach had to get back to his files.

Are you working with Townstone right now on a refinance or new home purchase? Why not? All it takes is a quick visit to Townstone.com to fill out a FREE consultation.

We'll see if we can save you money! Don't spend an hour waiting in line next Friday for a discounted TV when you can spend 5 minutes at home and potentially save WAY MORE than any Black Friday deal.

A Special and SPOOKY edition of the Townstone Financial Show! Wishing our clients and listeners a happy Halloween.

First day of snow in Chicago seems like it's coming earlier and earlier every year. Walking or driving, just go slowly and get readjusted to the slippery roads and sidewalks.

Remember, there is STILL time to purchase a home or refinance your current loan before the end of 2019, so fill out your FREE consultation at Townstone.com today.

Have a great rest of your week.

Oh the weather outside is frightful, but inside you can go to Townstone.com, fill out a FREE consultation, and save money by refinancing before the year is out! Let it snow savings!

Strangely enough, home buyers do not seem to be letting the frigid weather slow them down. Looking to buy a home? FREE consultation at Townstone.com

It's time for your year-end financial check-up! Spending too much on rent? Let us help you become a homeowner. Too much each month on the mortgage payment? Let us see if a refinance would benefit you.

Pocket listings? National Association of Realtors says "No More!" but what does that even mean?

WeWork doesn't seem to be working with their 1.25 BILLION (with a B) loss last quarter. Don't be like WeWork and spend more money than you make, Townstone can help you save on your mortgage whether you're refinancing or purchasing.

Where can you request your FREE consultation? That's right, Townstone.com

The FED lowers their rate, but mortgage rates creep higher! We've said it for years, but the FED does not control mortgage rates and this week makes it easy to see.

Infinite Money Glitch? No, we're not talking some video game here. Trading platform RobinHood has recently been dealing with the fallout from a "glitch" in their system that was allowing individuals to leverage themselves up to infinity. Some reports showed people with $1,000 initial investments being allowed to take leveraged positions over 1 Million!

Looks like we went straight from the end of summer to a cold winter here in Chicago. Time to start doing your end-of-year financial checkup to make sure you're in the best spot heading into 2020 as you can.

Free consultations at Townstone.com

Thanks for listening. Have a great week.

School is out for summer? Here in Chicago, it's also out for fall... At least the kids are getting better at Fortnight this week.

Rates finally take a breather this week as some much-needed stability comes back to the market, but still plenty of opportunity to refinance to a lower payment, debt consolidation, and lower rates.

Today we're joined by SPECIAL guest Johanne Friedli of Goosehead Insurance discussing, you guessed it, insurance! It's something that nobody wants to talk about, but it sure comes in handy when you need it.

Remember, Townstone.com is filled to the brim with information on our services and products. That's also where you can fill out the FREE consultation for your next home refinance or purchase.

Have a great week!

WARNING: This show has NOT been approved by the People's Republic of China!

Nobody likes free speech being censored, what about these companies self-censoring in order to do business in China?

Refinances picked up this week as rates came down a bit from their already-low levels. Great time to save some money as we head into the holiday season. Make sure to fill out a FREE consultation request at Townstone.com to see if you can benefit.

Purchases are showing resiliancy even as the weather starts to turn, will 2020 be a buyer's or seller's market?

Have a great rest of your week. Thank you to our loyal listeners and viewers.

t's almost like the market has a mind of its own and just doesn't want to be predictable.

You know who is predictable today? CNBC with their headline on "New Plunge in Rates" to try and get you to click, but we're here to discuss the CONTEXT!

Yes, rates have dropped this week... but that still hasn't made up for the previous 3 weeks where rates were heading up.

For your next home purchase, refinance, or just to discuss the latest in the mortgage market, fill out a FREE consultation at Townstone.com

Reporters might be writing about mortgages one day, taxes the next, and global trade after that. Here at Townstone, we only do mortgages. And we do mortgages best.

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