Solution:  By applying the "Smart Money Mortgage" Ashford came up with a plan whereby Anne and Carlene would increase the home equity line of credit on their home in Idaho. Ashford knew that HELOCS can be increased for free. Carlene and Anne were able to borrow this money at prime instead of the higher interest rate they would have been charged for a purchase HELOC. This strategy allowed them to save over $500.00 on their new housing expense.

Conclusion: Carlene and Anne were so thrilled that once they sell their house in Idaho next year they plan to use their "Smart Money Mortgage" savings to purchase investment property. This way they will have a very secure retirement!