Solution:  By applying the "Smart Money Mortgage", Ashford restructured Linda and David's financial well–being by advising them to put down 20% on the log home to avoid mortgage insurance. At the same time, Ashford showed them how to take their existing equity and pay off their high interest debt thereby saving them an additional $975.00 a month. Because their loan has no prepayment penalty, Ashford advised them they could apply the $975.00 in monthly savings towards their principal each month and quickly obtain the equity position they had originally hoped for.

Conclusion: Linda and David got the retirement home of their dreams with payments of $975.00 a month less than their old situation and now had no monthly consumer debt obligations! David was thrilled and said he can now rest easier in retirement and spend more time with Linda.