All right, folks, real quick, I want to talk just a little bit about saving money at save with conrad.com.

Take a look at this chart if you're watching with me over on YouTube.

This is the U.S. consumer percent of balance plus 90 days delinquent on credit cards.

Here's what we're talking about.

America's in more credit card debt than ever before, but we're also more delinquent than ever before. And if that's you, I want you to know, there is still help out there. I'm especially talking to you if you have your bank account drafting your mortgage payment. So if your mortgage payment is just set to automatically draft out of your account, you may not realize it, but boy, you're in good shape for a refinance.

And I know what you're thinking. You may say to yourself, self, I don't think I can refinance. I've, I've got late on my credit because of my credit cards. I'm woefully behind what mortgage carriers are caring about more and more. I'm talking specifically about Fannie and Freddie for how you've paid your housing history. already this year, I've helped families with credit scores in the 530s and 540s

get a great Fannie Mae refinance to bail them out of all their high interest rate credit card debt.

The average interest rate on credit cards right now is around 22%.

You know you can do better than that.

There's no getting ahead at that.

You've got to find a solution.

I really want you to think about what happens and what changes if I do nothing.

And I think you'll realize, man, I got a problem.

And the best time to tackle that problem is right now.

Hurry on over to save with conrad.com.

Get yourself a quick quote. You don't need perfect credit or money out of your pocket. And if we can't save you some cash, we won't waste your time. But I want you to hear this loud and clear. If you're behind on your credit cards, if you're maxed out, if you're over the limit, if you feel like there's no hope, but you've made your house payments all in time for the last year. And when I say on time, I don't mean like you were a day or too late. I mean like

you were never more than 30 days late. It's not a matter of if I can save you money, but a matter of

how much. And to my surprise, some of the folks we've helped do this, even with less than perfect

credit scores, they didn't even need an appraisal. What we were able to provide to To my surprise, some of the folks we've helped do this, even with less than perfect credit

scores, they didn't even need an appraisal.

What we were able to provide to them was a fast and easy solution to the cash crunch

their household was feeling.

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