Black Friday Shopping Isn’t the Only Way to Save for the Holidays

You’ve all seen the videos.  You’ve heard the stories.  Black Friday is next week.  People leave the comfort of their Thanksgiving table to stand out in the cold and fight their way in to get a DVD player for $12.  Some people go for specific items.  Some go for the atmosphere.  Some, I guess, go to get out of doing the dishes.  But there’s a better way to get all of your shopping done for the holidays without risking life and limb sprinting through a department store.

A Cash-Out refinance from The Home Loan Expert, Ryan Kelley gives you the cash in hand that you need to buy all of the gifts that you need.  How does a Cash-Out Refinance work?  Well, it’s a great loan program. Cash out refinancing (in the case of real property) occurs when a loan is taken out on property already owned, and the loan amount is above and beyond the cost of transaction, payoff of existing liens, and related expenses.  Basically, you can take out a loan for the CURRENT value of your home, and take out anything that you’ve already paid on the house as a loan.  It’s taking cash out of your home.

Why is this a great idea for the holidays?  Because it’s a low interest loan!  With interest rates so low, and home values increasing, it’s a perfect time to get some low interest cash out of your home.  You can then put that toward your holiday expenses.  You can then avoid spending on your credit cards, or depleting your savings, and spend far less in interest.  You can also avoid the mob scene at the department stores and save yourself the stressful parts of the holidays.  You can have extra money to travel, fix up the house, or anything that you need.

At The Home Loan Expert we’re offering up to $1,000 back after closing to give you a little extra to spend for the holidays! 

No need to line up in the cold, here’s how it works: 

  • Head to our Black Friday page 
  • Enter your information 
  • Fill out our digital mortgage application by Sunday, January 1st 2023 
  • After your loan closes, you’ll get up to $1,000 back! It’s that simple! 

This deal is only good through the end of the year, so grab it while you can! Get started today at 


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