This is a paid message from the 2024 holiday gift guide for book lovers from CT Creative Studio at Christianity Today.

We believe in the miraculous magic of books.

This Christmas, we invite you to share the magic of reading with a book that's perfect for each person on your gift list.

Visit Christmas Gift Buying Guide.com to browse our books.

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Hi, I'm Jay Farner, CEO of Quicken Loans, America's largest mortgage lender. Let's talk credit card debt for a minute. If you feel you're carrying too much of it, you're not alone. The average household in the U.S. carries over $8,000 in credit card debt. Ready for some good news? With a cash-out refinance from Quicken

loans, you can quickly and easily put some of the equity in your home to good use by paying

off a lot of that high-interest credit card debt. A great way to take cash out is with our 30-year

fixed-rate mortgage. The rate today in our 30-year fixed-rate mortgage is 4.375%.

APR 4.65%.

Call us today at 800 Quicken to learn how taking cash out with a 30-year fixed mortgage might be the right solution for you.

And for a record nine years in a row, J.D. Power has ranked Quicken loans highest in the nation in customer satisfaction for primary mortgage origination.

Call us today at 800 Quicken or go to rocketmortgage.com.

For JD Power award information, visit jadipower.com.

Rate subject to change.

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