Carol's Journey 

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 Home Equity Loan

With major house maintenance repairs
Financial issues are often a concern there
Take time to consider all options carefully
Avoid making payment decisions hastily

Going into debt is not always the best route
Interest rate and risks must be checked out
Review monthly budget and what you can pay
Borrow only for amount needed along the way

Last week I inquired about a home equity loan
With God's guidance and help I am never alone
Gentleman I called answered my initial questions
Five year term at low interest met my expectations

Bank research process revealed unknown detail
My dad's name still appeared on the house title
After I paid off mortgage from my mom's estate
Yesterday I obtained copy of his death certificate

I signed the final paperwork documentation today
Funds available on credit line basis next Tuesday
God knows my limited income but He will provide
Grateful to my church for their assistance supplied

Carol S. 9/13/12



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