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Get your paperwork ready Here's a checklist of what you'll need to apply for a mortgage -- W2s, pay stubs, bank statements, tax returns, brokerage statements and more.

It's never too early to start a file and fill it up.

It can help lower your monthly payments and get you out of debt faster so you can be in the driver’s seat of your own finances.

With so many ways to consolidate, there’s bound to be a solution for your unique situation. Debt consolidation is the process of combining your debts into one loan with a lower interest rate.

It often involves a secured loan against an asset that serves as collateral, which is most, commonly a house (in this case a mortgage is secured against the house.) The risk to the lender is reduced so the interest rate offered is lower.