 And if you're someone who has to use credit cards a lot, chances are fair that you could end up into lots and lots of debt. And that's not a fun place to be. Especially when you're talking about the kind of debt that can wipe out your savings and set you back years and years, if not permanently. If you're a fiscally responsible person, you should find a little time in your schedule to give the mortgage consultants over at American Financing a quick call. They're going to look over your finances. They're going to say, hey, there's some areas here that can be improved. We can help you with this.