The Secret to Paying Off Debt Forever
(and the 5 best ways to make it happen)
Paying off debt is similar to dieting.
I can relate to both. I am about 60 pounds lighter than I was at my heaviest. And I’ve paid off over $1,000,000 in debt.
It wasn’t easy. I had my struggles. I had bad days. I had thoughts of giving up.
Here’s the secret to success at both dieting and defeating debt…once and for all. Are you ready? It’s going to seem so obvious but it’s the secret that helped me and I think it will help you too. The secret is to not worry about being perfect.
Life happens. Things get in the way. Heck, you get in your own way. But that’s ok. Knowing this and accepting this is what you need to be successful.
It happens every time. The week you decide to go “all-in” on your diet you get invited to a family get-together. Maybe it’s a BBQ. Maybe a birthday. Whatever it is there are always treats that can get you “off track”. It’s ok.
The first thing you see when you walk in is the chocolate cake. It’s sitting there staring at you. Whispering your name. The rich and moist chocolate cake with the decadent chocolate ganache. You can just imagine it melting in your mouth. Is your mouth watering yet?
(Not a chocolate fan? Just imagine your favorite dessert instead.
)
Instead of avoiding it, have a slice. Don’t be perfect. Indulge sometimes. Live life.
Same goes for paying off debt. You’ll begin your journey of paying off debt and, just like dieting, you’ll have something pop up. Maybe it is new tires. Doctor bill. Or an invitation to go out with family or friends.
Handle it. Solve it. Then get back to it.
Of course, you can’t indulge your every desire when you’re on a diet. And you can’t splurge whenever you choose when you’re paying off debt. But every once in a while it is important to go “off track”. Because, it is what keeps you going. Failing at being perfect means you are more likely to give up…because you already failed. But if you work some of these “off track” moments into the plan, you didn’t fail. You just followed the expected plan.
With this in mind there are five ways to defeat debt once and for all. Let’s dive in…
1. Debt Snowball
My buddy Dave made this debt payoff strategy popular.
Maybe you know Dave? He has a radio show. And a TV show. He even wrote a book. Yeah, that Dave. Dave Ramsey.
Dave likes this strategy because it keep you motivated. The more motivated you are the more likely you are to stick to it. And defeat debt, once and for all!
Paying off a small balance and feeling accomplished is why it works so well and that’s how the debt snowball strategy works.
- First, you pay off the debt with the lowest balance using any excess money you have available each month.
- Then, you take all the money you were putting towards paying off that debt and apply it to the next lowest balance.
- Each time you feel good. You’re making progress. You’re paying off debt.
- Repeat this process until all debts are paid off.
Simple, yet effective.
2. Debt Avalanche
Why are all the debt strategies so cold? Snow…now avalanche?
I guess they just make good metaphors. Are are they similes? I wasn’t all that great with these things. And now look at me now…writing blog posts! Ha!
Anyway, I got sidetracked there.
Imagine a small snowball rolling down the hill. As it rolls it grows larger picking up more snow along the way. Eventually it is so large it is impossible to slow down. That’s why they call is “debt snowball”.
But now, consider the force of an avalanche. It starts out of nowhere. It is impossible to stop, even from the start. It is powerful.
The reason this strategy is called the debt avalanche is because it is a very powerful debt payoff strategy.
Here’s how it works (I think you’ll see the similarities to the snowball):
- First, pay off the debt with the highest interest rate.
- Once paid use the money to pay off the next highest rate debt.
- Repeat until all debts are paid.
This strategy results in a lower cost, but you have to be patient.
When I first started paying off my $1,000,000 in debt I had a lot of little debts. Student loans, auto loans, whatever. But one of the biggest debts also had a pretty high rate. I had a balance over $40,000 with a rate over 10%. Oh, and it was an interest only debt. I wasn’t even paying it off through normal payments! I needed to get that things paid off. But with just a small excess available to pay down the balance, it was going to take a while.
That’s the good and the bad with this strategy. Sure, you are paying off the debt you should be paying off because it will result in less interest paid, overall. But the time it could take to pay off that first debt could be…wait for it…years!
Can you be that disciplined for that long? Or would you rather see some progress? Only you can decide. Whatever you decide is the right decision…for you. Don’t worry what others have done or what is “optimal”. Follow the plan that works for you.
3. Cash Flow
I made this up. Wait, that sounds wrong. I invented this. No, that’s not right either. Whatever, I came up with this strategy to help my mortgage clients.
As you can imagine, many clients who want to buy a home have some work to do before they buy. Sometimes they need to work on their credit. Other times they need to pay off debt. Or save for down payment. But all of these things are related.
That’s why I created this method of paying off debt. It gives you freedom and flexibility.
Freedom and flexibility is important when buying a home. You need to have options. To negotiate and secure the home you want. Freeing up monthly cash flow is a great way of creating freedom and flexibility. That’s what this strategy does.
It may not be as simple as the snowball or avalanche strategy, but I think it is better for most people. Here’s how it works:
- First, find the debt with the highest payment-to-balance ratio.
- For example, let’s say you have a $1,000 balance with a $100 payment and a $2,500 balance with a $150 payment.
- Divide the balance by the payment. $100/$1000 = .10 and $150/$2500 = .06.
- Whichever has the highest number is the debt you pay off first.
- Repeat until all debts are paid off (or you need to stop)
Doing this will require the least amount of money to give you the biggest impact in your monthly cash flow.
I like this for my mortgage clients because sometimes we need to lower monthly payments. Other times we need to put money into saving for a down payment. Following this strategy gives us the ability to start and stop whenever we want while giving us the largest benefit to mortgage qualifying or freeing up cash to save more money.
But it works in life too. One of the biggest things that stops people from succeeding in paying off debt is those unexpected expenses. Doctor bills. Auto repairs. If you have the freedom and flexibility to pay for those things in cash (from the excess cash flow) rather than on credit, then you can stay on track and keep moving forward.
4. Sell & Buy a Home
What?! How is selling my home and buying another going to help me pay off debt?
I am not suggesting that if you don’t want to move that you should move just to pay off debt. But many people in debt would move if they knew it was possible.
Wouldn’t it be great if you could get a newer, nicer, more spacious home and pay off debt at the same time.
All while keeping your monthly payments somewhat the same (or even lower)?
As your home value goes up and you pay down your mortgage balance you build equity. But it’s frozen! (now, is this a simile?)
Selling your home gives you access to that equity.
You might be thinking that when you sell your home and get the equity that you must put that equity into your next home. Maybe you are concerned about being taxed. Maybe you thought it was a rule of some kind.
Well, there’s no rule saying you have to take your equity from the home you sell and put it towards the home you buy.
There is also an IRS exemption on paying taxes on your equity (up to $500,000) when selling the home you use as your primary home:
If you have a capital gain from the sale of your main home, you may qualify to exclude up to $250,000 of that gain from your income, or up to $500,000 of that gain if you file a joint return with your spouse.
Ready to Move? Want More Freedom?
Most people miss a huge opportunity when they sell their home and buy another. They don’t realize the power of their home equity. Your equity is your cash. To do what you want and what best serves you. But identifying the best way to use your cash when you sell and buy is critical.
Equity Transition Planning allows us the opportunity to ask the right questions with our professional mortgage experience to advise you on how to best leverage your equity to work for you in the best way.
Now that we know that we can use that money however we choose what should we do with it?
This is where I suggest you zoom out. It is easy to get tunnel vision and think all the money tied to your home should remain tied to the next home. To lower the monthly payments. To avoid mortgage insurance. To give you equity in the next home.
But, zooming out gives you perspective. What matters most? My guess is two things:
- Now
- Later
You want to be comfortable now. You want to enjoy life. You want to provide for your family.
You also want to be comfortable later. You want to be free from having to work. You want to not worry about money.
Can you work towards improving both of these at the same time? I think so.
Use your equity to pay off debt. Sometimes the debt you pay off could be at a lower rate than what you could get on a mortgage. But stick with me for a moment and I’ll explain why.
Remember what I said about the Cash Flow debt payoff strategy? It gives you freedom!
The same is true here. Paying off debt to free up cash flow gives you freedom. You can use this excess cash flow to improve your future. Save for your kids’ college. Contribute to retirement savings. Invest in real estate or stocks.
Without the cash flow you wouldn’t have these options. Sure, the mortgage may have a slightly higher payment than you’d like, but without any other debt (or very minimal debt) you have options you didn’t have before.
Oh yeah, you’ll also have a nice, new, spacious home that is more suitable for your family than the one you own now.
5. Refinance
The only way to tap into your frozen equity is to sell or get a loan.
Refinancing is one way to get access to the equity to use it in a way that benefits you more than just sitting there.
If you have enough equity you can cash out the equity and use it to pay off debt. Maybe make some home improvements that were put off.
I’ve talked about how important freedom is. I’m even an author on the topic. Refinancing may be able to give you more freedom. If you are not looking to move, but want to take advantage of all the opportunities you would get from accessing your equity, then a cash-out refinance may be a great option.
Let me issue a warning though…
Refinancing can be a very costly solution for those that don’t carefully consider the short-term and long-term benefits…and drawbacks. You should clearly know the costs. The savings. The use of your freed up equity and how it will benefit you greater than leaving it frozen and in place.
But for others it can be the life-saving solution. To finally get ahead. To not have to stress every single month about money.
Want to Find Out if a Refi Is Right for You?
Refinancing your mortgage is an incredible tool that can help many people achieve their financial goals, if done properly. Too often people are led into believing a refinance is the solution when it could actually do more harm than good.
We believe in full transparency. We run the calculations. Show you your options. Provide our professional advice and allow you to make an informed decision.
Completing a Refi Analysis will give you peace of mind knowing that refinancing is right (or not) for you.
Now What?
What are you going to do?
You have two choices:
- Something
- Nothing
You don’t have to do anything. In some cases, it may be best to do nothing.
But, if you got this far my guess is you need (or want) to do something about your debt. You want to get rid of it. Defeat it!
Take control and create freedom.
How can I help? I got out of debt. A lot of debt. Over $1,000,000 in debt. I had my challenges. I used all these strategies along the way.
I help people get out of debt every day.
Full disclaimer: I also help a lot of people get into debt. Mortgage debt. To help people buy homes. Because I believe in homeownership. It is one of the best ways to create wealth and has been proven to be effective. Homeowners are about 40X more wealthy than renters. There’s a reason for that.
Are you using the wealth you are creating, in the form of equity, to benefit you? If not, we should talk.
Ready to Move? Want More Freedom?
Most people miss a huge opportunity when they sell their home and buy another. They don’t realize the power of their home equity. Your equity is your cash. To do what you want and what best serves you. But identifying the best way to use your cash when you sell and buy is critical.
Equity Transition Planning allows us the opportunity to ask the right questions with our professional mortgage experience to advise you on how to best leverage your equity to work for you in the best way.
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134 Reviews
We have worked with Joe Eagan for several years now, our daughter had financed her new home through citywide and recommended them to us because she really was happy with her new home loan and said we could trust them to be honest and help us. We contacted them and worked with Joe on a refinance...amazing, Joe let us know every step of the way and we got such a great rate, and he did all the work. Now new higher rates on credit cards, I didn't really know what to do, I called Joe, even after a few years and he worked on a home equity line of credit..we will pay off our credit cards at a rate that will actually pay off the principal and again...he did the work...Just wanted to say THANKS JOE!!! The recommendation goes on...
We had a great experience with the Wynn & Eagan team, and I will definitely recommend them for buying a home. They were very professional and precise on what was needed to purchase our beautiful home. I am very pleased with the step by step process on letting us know what phase we were during the loan process. Highly recommended
I worked with Marla Wynn and Joe Eagan of the Wynn Eagan group to be approved for and then close on our new condo in Kailua-Kona. They were not just wonderful to work with, they and their whole team were phenomenal. I have two family members who were simultaneously getting a mortgage and a refi and they complained about the lack of communication and sometimes unprofessionalism of the mortgage companies they went through. I would speak of how well things were going for me, the weekly and sometimes daily update emails, the electronic forms process and more. They would look at me and say they wished they had the same experience as I did. I am very pleased with the outcome. Joe Eagan and his team were professional every step of the way, got me a great rate for a second home (in a complicated Hawaii regulatory state) and communicated with me multiple times a week. For someone with 15+ years in customer service I can't say enough about Wynn & Eagan. They exceeded the expectation I had for working with a mortgage company. 😁🤙🏽💪✍️☀️🏖🏡
Joe Eagan and his team were extremely helpful, responsive, and thorough in helping me finance my new home. There were several obstacles during this process and Joe was in constant communication with me about this, trying to find the best solution. Highly recommend.
Marla and Scott have years of knowledge in the mortgage industry. They both have a deep desire to help others achieve the dream of homeownership.
The Wynn & Eagan Team is fantastic. They are so knowledgeable, responsive, and friendly. I have used them on multiple purchases and now most recently a refinance. They simplify the process and provide excellent communication at every step. I wouldn't use anyone else!!
The Wynn Team are highly professional, efficient and knowledgeable. They are simply the best in what they do.
Wynn & Eagan are the best lenders you can use. I was with a different company that neglected me and didn't really do their job. Wynn & Eagan was a different experience. They kept me in the loop for the whole process and did everything they could to make me happy. Thank you Joe and Tori for helping me buy my amazing house!
Scott and his team are exceptional to work with. As a real estate professional, I have had the pleasure of working with The Wynn Team on multiple transactions. Each experience was seamless and the clients were always pleased. The Wynn Team provide weekly updates and respond to questions quickly. It's always a win-win working with The Wynn Team. I highly recommend them.
If you’re looking to purchase a new home, your first home or even refinance, I HIGHLY recommend the Wynn and Eagan Team! We purchased our first home through them and had a seamless purchase. We just finished refinancing with them and our lender Joe and his team went above and beyond to make our wishes come true!!!
This team goes above and beyond to ensure that their clients are well informed every step of the way. Top notch service all around!
I purchased my first home with The Wynn & Eagan Team back in 2014. They provided outstanding customer service and made sure I understood the whole process from beginning to end. They also understood all of the First Time Home Buyer programs and helped me navigate through those as well. So when I refinanced this year, I naturally went back to my original team. They were outstanding once again. Not only did they make the whole process seamless and made sure I understood everything along the way. Cindy and the rest of the Wynn & Eagan team will take care of you just as if you were family!
Thank you all so much for making yet another home loan so smooth and easy! Highly recommended!!
We worked with the Wynn & Eagan Team on the initial purchase of our home, as well as on refinancing. Joe is always straightforward, friendly, and knowledgeable, and he helped to guide us through each process with ease. My wife and I definitely recommend the Wynn and Eagan Team!
The best experience ever. Excellent communication, very efficient team. Felt like a family. Highly recommended
Everyone at the Wynn team are amazing! This was my Husbands and I first home purchase. From the very beginning we had full on support during the whole home buying process. They always answered our questions and then some. We felt confident and at ease with their help a knowledge. I highly recommend them for your home buying process!
Fantastic to work with! Prompt, friendly, and professional. Their awesome customer appreciation events are a nice perk!
We worked with Cindy Howeth 18 years ago when we bought our house and had such a good experience that we tracked her down again to help with our refinance. She and her teamed delivered again! They were always very quick to respond, helped us compare other lenders' quotes, offered sound advice, and got us a great rate. They communicated with us every step of the way and I feel like I have a great partner to turn to whenever I need help with my mortgage.
As a first time home buyer I was nervous and didn’t know what to expect. This team of people expedited the process and made it enjoyable. I wish I could give them 10 stars. Thank you for all of the hard work!
The Wynn team was absolutely amazing! They were so attentive to every detail. We would email them and had a response back immediately. We have used them for the purchase of our home and a refinance and we would never use anyone else. We recommend using them for any needs you have.
Joe was fantastic to work with from the moment I contacted the Wynn & Eagan Team. As a first-time home buyer, there was a lot about the lending process that I was unaware of, and Joe was great about being informative and transparent throughout the search and closing. I am happy with the mortgage that Joe set me up with, and his professionalism is second to none.
Cyndi, Joe, Donna, and Tori were all so amazing!! I couldnt possibly imagine how anyone could be more informative, knowledgeable, prompt, or professional than The Wynn team. I would highly recommend them to anyone in purchasing, or refinancing a home. I'm not sure if it's possible for anyone to work as hard and as swiftly as they had worked for me when I purchased my home, and refinanced. Simply the best!
The Wynn Team was great! They made the experience less stressful with awesome communication and answering the many questions we had. Thank you!
We were thinking of refinancing our current mortgage. We received a call from Wynn & Eagan Team inquiring if we wanted to refinance since the mortgage rates are dropping. My husband asked for some data to show if it would be worth it to refinance. Within 24 hours, we were provided the data. We chose to refinance. The team helped us through every step of the process. They kept us informed weekly of where we were in the financing process. I strongly recommend this team as they are informative and very professional
The Wynn Team was absolutely amazing! They were so attentive to every detail. We would email them and we would receive a response immediately. We have used them for the purchase of our home and a refinance. We wouldn't use anyone else, and recommend you use their services for any and all of your needs.
The Wynn & Eagan Team were very helpful and professional. They answered all of our questions and made our refinance process very easy and fast. We would work with them again!
Marla and the rest of her team were a pleasure to work with! Refinancing our home was not something we were looking forward to but the process was surprisingly easy and smooth with Wynn Team. They are efficient, organized, knowledgeable and always available. Thank you to Wynn Team, we will always recommend them to our friends and family!
Scott Wynn was recommended to us by our daughter, who had her refinance handled by him. His team is truly amazing, we were continually kept in formed with each step. We received an email every Friday letting us know where we were in the process. We felt totally confident with Scott and his team, And So---the recommendation continues----from our daughter, to us, to You!!!
I couldn't be more impressed! They held my hand as needed and stayed ahead of schedule. Cindy and Keenan were available even after hours for any questions or concerns I had. Cindy even showed up at the closing to make sure I was taken care of as they moved the closing ( for the third time) to a day my realtor was unavailable. I highly recommend this team!!
The Wynn Team cares about their clients. After years of working with them, and selling my house, they continue to treat me with red carpet service even though my loan was closed out. They are wonderful!
I want I give special thanks to the Wynn team.. They made a dream become reality on helping my family purchase our first home. The entire team and process was great!! Thank you Scott , and the entire team. THANK YOU!!!
he Wynn & Eagan Team has worked with a wide range of buyers from first timers through move up to investors. Their team is professional and very responsive. Their preapprovals are gold!
I can't say enough about the great experience I had working with the Wynn team on the purchase of our house. From the minute I first talked to Joe to start my loan application all the way to closing the Wynn team answered every question I had and explained every step of the process. They have by far the best communication of any company I've ever worked with, they send out an update every Friday to give you a recap what has happened during the week. Thank you so much for all you have done for me and my family to get us into our home.
Joe Eagan and his team were very responsive to every question I had, and answered several more before I had a chance to ask. They worked closely with my real estate broker to make sure she has everything she needed from the pre approval letter all the way through the closing documents
We recently had the pleasure to work with Scott and the team. As first time home buyers, Scott took the time to help us understand the process. Art and Scott were always available to answer our questions and keep us updated on the status of our loan. They took an otherwise daunting task and made it quite simple! Fantastic team!
The Wynn Team is unbelievable and always makes sure we are taken care of! We have used them on multiple occasions and highly recommend the Team! Thanks for all that you do!
The Wynn Team is awesome! Thank you all so much for your hard work and dedication. You made the process of buying, smooth. I'll definitely refer people your way.
I was so afraid of home buying and the Wynn team took all the worry and stress out of the process. They were always available and helpful. They gave great advice and were professional all along the way, even when I asked silly questions! Thanks WYNN team!
The absolute best !! As a first time home buyer, I was clueless but they made the process easy . I really felt like they were looking out for us the entire time. Definitely recommend !!!
I enjoyed working with Joe and the rest of this team from start to finish. All of my questions were answered in detail, and I knew exactly what was happening every step of the way. I highly recommend using this amazing team!
Joe was awesome and helped me with many issues from covid causing delays in purchasing time to sellers causing issues. Cant thank the team enough for everything they did.
They are the best team to work with. I have used them to buy 2 houses and a refi. Would recommend this office. Thanks for such a smooth process.
Joe and Jennifer made the process very smooth and were available any time I had questions. THANK YOU!
Great experience with the Wynn Team, very knowledgable and always willing to help with any hiccups or questions that may come up. Thanks for all of your help!
Our experience with the team was professional and they were very responsive! I recommend them highly!
Very fast and efficient! Made refinancing super easy! And fast!
Made it simple and easy to work with! Will get with you and give you the deadlines that need to be met!
Amazing!!! Would highly recommend!!!!
Joe and the team were extremely easy to work with and kept us well informed through closing and after with detailed and easy to understand breakdowns of every step. They were also always available for any questions or concerns we had, overall it was great working with the Wynn & Eagan Team!
My wife and I had a lot of bad experiences with mortgage brokers until we met Joe Eagan. He helped us find our dream home and worked really well with my realtor to make everything possible for us, thank you, Joe!!!
I've been going through Wynn & Eagan Neo home loans for awhile. They have always gotten my loans to me in a timely manner. I highly recommend anyone that need any loan go through the team of Wynn & Eagan Neo home loans.
Working with Joe Eagan was an absolute pleasure. His hard work and positive attitude helped buying my first house go very smoothly and reduced the stress a lot! Professional and would highly recommend him!
As we relax this morning in our Hawaii ocean view condo we are very grateful and honored to have you all help us to buy this home in paradise!! Your customer service and professionalism at every turn was reassuring and appreciated by us both! We highly recommend Wynn & Eagan Team!!! Best in Hawaii!!
Scott Wynn actually created the Youtube videos that attracted me to contact Wynn & Eagan in the first place. It was 2 videos - 1 explaining the difference between CHFA & FHA, the other walks you through the different types of FHA programs - both were extremely helpful. Joe Eagan was the one I actually ended up working with through the process and he was extremely helpful through this entire thing. From the beginning, he stood out among other lenders. He was not only responsive and professional, but kind and I never dreaded having to speak with him. Up front, he always helped me to fully understand everything about the process and all of my options. I even ended up working with a couple of other folks on the Wynn & Eagan team throughout the process and everyone was professional and courteous! I loved working with the Wynn & Eagan team and have no doubt I will choose them for future home purchases as well. Thanks for being a piece of making my dream of becoming a homeowner come true!!
The easiest loans I have ever done! Love Wynn & Eagan Team!
The Wynn and Eagan team helped make us first time home owners. They helped us every step of the way keeping us on track to success. It was exciting and terrifying but they were there step by step. Huge Mahalo from the Roberson ohana. Oh! And let's not forget to thank them for the beautiful gift we received on our front porch on move in day. Mahalo plenty Wynn and Eagan.
Had an awesome experience with the Wynn team. Just completed a refi, everything went smoothly, everyone was very helpful and friendly. Even close a few days early,
Great team to work with! The entire staff was friendly and professional, always wrote back the same day, and sent over weekly updates to ensure the house purchase stayed on track. Although the home buying process had a lot going on (and quickly), I was glad I had the Wynn & Eagan team supporting me throughout, as I have no doubt it would have been significantly more stressful without their support and organization. Will definitely work with them again should I purchase another home in the future!
They made an intimidating process simple and straight-forward. I was so happy with the communication and the way they explained the entire process. Thank you, Wynn Team!
I loved my experience with Wynn & Eagan. As a first time home buyer, they made everything very clear and easy for me to understand. They got me a much better interest rate than I was quoted at another lender, which I really appreciated! They even sent me a cute housewarming giftbox and later on, a birthday card. You are in great hands if you choose Wynn & Eagan.
From beginning to end, everyone with The Wynn Team was up front, honest and thorough! No phone call or email was ever left unanswered. We appreciate all the hard work ensuring we got the best rate for our refinance. Thank you all!!!
I have used The Wynn & Eagan team for my 1st home purchase, my refinance and the purchase of my 2nd home. I have absolutely no complaints about this company! They are the absolute best in the business! Professional, friendly, knowledgeable, etc. etc. Give them your business!
When I bought my first home a few years ago I had no idea what to expect. The process was surprisingly easy, until 5 days before closing when an unexpected surprise from the seller almost ruined my ability to buy the home I had fallen in love with. The Wynn Team jumped into action, and pulled off something incredible. I was able to buy a short-sale home in 5 days. At the time I was grateful, but didn't realize just HOW great The Wynn Team really was. I worked for another lender a year after that and couldn't believe that his way of originating was the 'norm'. It was terrible - practices, customer service, communication, everything. I will forever love and talk about The Wynn Team to anyone that will listen. From a professional and personal stand-point I know that The Wynn Team is the best loan origination team in Colorado.
I absolutely LOVE, LOVE, LOVE the Wynn Team!!!! I've worked with dozens and dozens of different lenders over the last 10 years as a real estate agent, and these guys are BY FAR the BEST!!! There is no better lender out there that I have found! Their communication, systems, and knowledge are unmatched, and they have great, competitive rates as well. Whether you are a first-timer or a seasoned home buyer, the Wynn Team is the way to go!!
Very professional and did a great job on our refinance. Highly recommend
Joe, Jennifer, and Cindy have helped me with the purchase of my house and now 2 refinances. They have been a joy to work with each time. I ask a lot of questions and they are always patient and understanding. Cindy had helped me get an amazing 1st time buyer loan that I still benefit from today, Joe guided me to the to get the best rate possible rate (twice!), and Jennifer worked hard to make sure all my numbers were right and everything closed without a hitch, even when the old mortgage company couldn’t get the payoff right. I couldn’t give them a higher recommendation and they will always be my mortgage lender!
Always a great experience working with Joe and the whole team. I highly recommend these folks!
The Wynn and Eagan team are always so wonderful! We have used them twice now and each time they were quick, friendly, kind, answered all our questions and great to work with. We wouldn't use anyone else!
Very easy refinance! Happy we got referred.
Extremely professional, efficient and friendly! I worked with Joe and Tori and found them to be invaluable! With the amount of stress a person is under when selling and buying a home, these folks are the epitome of patience and grace! Not one deadline missed for required paperwork and we were kept abreast of all things happening with our account. They are incredible! I would consider them peerless in their field. If you want your loan done well and done correctly, this is the group to do it!
The Wynn Team was very professional, organized, detailed, and timely. This truly was a one-stop experience for all of our real estate needs. We would highly recommend the Wynn Team to anyone looking for a property in the Denver area. Thank you again to all those individuals that worked so hard to accomplish our purchase.
The Wynn team has been so helpful when my husband was trying to get a loan. They were on the spot by getting things done on a timely matter. When he called they would answer his questions, very knowledgeable, professional, and always were willing to go the extra mile. I would highly recommend them to anyone.
Top notch through out the entire process. The entire team was responsive and helpful, often answering questions before we even had them. It was a smooth process and I even learned a few things along the way given there tenacity for making sure that I understood what was going on Start to Finish. This is a very complicated thing and it certainly helps to work with people that insist on keeping you as comfortable as possible. I think the Wynn Team will be seeing us again in 5 to 10 years.
My experience with Cindy and the rest of the team there was nothing short of stellar! They made the process as easy as getting a mortgage can be. They got me approved for more than a competitor could. The thing that impressed me the most was their follow through. Any time I had a question, there was an immediate response. They were always very pleasant and eager to help. I would use them again without hesitation and will happily encourage anyone I know wanting a mortgage to work with them as well. The service they provided was quite amazing and I'm grateful to them for making the acquisition of my condo as smooth as it was.
Thank you So much for everything The Wynn Team, I don't have a words to explain.... you are wonderful team. Thank you
I’ve worked with them twice and both times have been a great experience. Joe is very responsive and helpful with any questions you may have! I plan to use them in the future if I need to refinance or purchase a home.
It was another successful transaction with the Wynn Team, I would Highly recommend these folks to all my friends and family, it was very easy, the communication was great, the Friday updates are super, THANK YOU, the next project is just around the corner...............
Marla, I have bought quite a number of homes in my life. More than the normal person I am guessing. And I cannot stress to you enough how wonderful the Wynn team is. This entire process has been a breeze. From beginning to end, we have found a house, lost it, found another, lost our buyer etc… But through it all, the Wynn Team was the only thing that kept us sane. Art Vogt is AMAZING! I actually began to enjoy his weekly call to update us and remind us what we still needed to get in. We were referred to you, and we will do the same in the future. I already have told a co-worker about you. Thanks again for a great experience. Mark and Dawn Hudson PS…We did receive the Congrats Pack, and LOVE it!
The Wynn Team is AMAZING!!! As a single mom, their dedication to provide me and my kids the best situation was touching. They worked so hard and I highly recommend them!
We worked primarily with Joe to purchase our third home, along with three boys under the age of five. You can imagine how stressful home buying is with two toddlers and an infant, but Joe made the process easy! He was always so responsive, helpful, and polite. Always checking in to see how the home search was going and it really felt like he cared about us as clients. We will be using him in the future and will be recommending him to anyone and everyone! Tori, the processor we worked with was fantastic as well!
Phenomenal Service!! I didn't even represent the buyer in my transaction but as the listing agent, I was kept well informed and up to date on any and everything that the buyers were doing or obligations they needed to fulfill. I love the weekly updates and never had to question where we were in the process. It was an absolute joy to work with you! I wish all transactions could be this smooth. Thank you for your hard work, professionalism and superior service.
Working with the Wynn Eagan team was amazing! Hands down the best service and communication we have ever had when buying a home. I highly recommend them!
Great team to work with. They are very friendly and extremely efficient at their duties. They made the mortgage loan process seem easy. I would highly recommend the Wynn Team.
The Wynn and Eagan Team made the refinancing very convenient. Great communication all the way through the process. Thank you for making it happen!
Cindy was awesome to work with, her team kept in constant contact with us and worked hard with us to overcome a complex issue facing our refinance. I would highly recommend working with them!
The whole Wynn team is amazing. They are quick to respond to questions and the weekly emails that show the progress made it easy to understand next steps.
A+ service the whole way through our transaction. Always responsive, proactive and thorough. This team a pleasure to work with.
When others said they couldn't make a loan happen, these guys could. I can't say enough about the efficiency and confidence working with the Wynn team inspired through this stressful transaction. Go see Joe Eagan!
The Wynn Team defines Customer Service! First in class care. They know the business and get things done efficiently!
Nothing complicated or time consuming - the process was fast and easy. My 2nd time with them and there were no issues - just a very professional and nice bunch of people. Will use them again, if needed.
Fantastic to work with! Prompt, professional, and friendly. Their awesome customer appreciation events are a nice perk!
Absolutely the best! Great support and excellent rates. I would recommend them highly.
So professional and helpful every step of the way! Thank you Joe and Jennifer!
These guys made the whole process as easy as possible. Will definitely recommend them in the future.
The wynn team is exceptional! Can't thank you enough.
Great experience working with Joe and Team
Fantastic service!! So helpful and always available!
Joe was with me every step of the way. Buying a new home and moving is always stressful, but Joe made things very simple for me. He helped me navigate all the things that needed to be done. He told me all my financial options so I could make smart and informed decisions. I will recommend him to anyone who asks if I know a great loan person.
We've used the Wynn and Eagan team several times for mortgages and recommend them to anyone looking to buy/refinance. They always close on time and make every transaction smooth, no matter the market conditions. I've never had to move a date because of Wynn and Eagan and they've never steered us into a bad financial situation. They also contact us with recommendations, tailored to our situation, after the transaction so we continue to have tips and tools to save money long-term. Highly recommend!
They are so thorough and intelligent and thoughtful that it's hard to put into words. They are very well educated and detail oriented. They strive to help everyone in their circle achieve the highest level of success possible. I highly recommend you get them in your circle!
Using Wynn & Eagan was one of our best decisions we made in our journey to home ownership. They were great at staying on top of every step; kept us informed, followed up with us, and kept the process moving. They are professional, competent, thoughtful, and very easy to get hold of, even last minute. Will recommend Wynn & Eagan to our friends and family.
I love the friendly, an amazing service, and the process your office provides. 2014 was my first loan, and 2020 for a second, thank you so much for such an amazing process. Your team goes above and beyond always, thank you.
We had an excellent team working with Joe Eagan to get our mortgage approval letter that put us in a solid position to get our offer accepted in a very competitive market in Hawaii! Great experience from initial planning all the way through closing!
Best experience ever... working with the Wynn Team to refinance our home mortgage! Knowledgeable, efficient, helpful, professional... we always knew what was expected of us and what was going on with our process.
I have had various experiences with mortgage companies in the past 20 plus years and Wynn & Eagan Team, hands down is the BEST!! From their professionalism, rapid response time to questions, weekly updates during the loan process plus perks after our loan funded and closed is icing on the cake. EXCELLENT !!
Scott and his team were absolutely great during the entire financing process. They were very informative and got back to me timely every time I called or emailed a question. I would definitely recommend to anyone that is looking for a lender. Thanks!
Everyone at the Wynn & Eagan team was very professional and friendly. They were quick to answer questions and return calls and took care of every detail of our refinance. Joe was awesome to work with and provided great customer care. We would highly recommend them to anyone looking for a home loan and will use them again in the future.
YOU guys made my dream cabin in the mountains possible!! You all were ALWAYS there and completely accessible and made a potentially stressful situation easy !!! I have and always will highly recommend the WYNN Team!!!!
I purchased my first home with the Wynn Team and I can absolutely say they were the best. After speaking with Joe Eagan, I knew I didn't need to shop around. They were on top of everything! So much so that when I got to the closing table, everyone (including the listing agent) commended him for his speedy responses and spot on work. Loved them and will definitely be going back to them when I'm ready for my next home! 🙂
Every one keeps asking us how did you get your house, especially right now? How did you get started? Well family and friends let me tell you about my extraordinarily home buying process. First step was making a phone call. We called them up, got a list of things we needed to gather and turned it in. Poof it was that simple! AND THAT WAS THE HARDEST PART!!! It was so easy. Why was it so easy? Because Scott Wynn and his team have a whole way of doing business that makes it seem like a breeze. My friends at the Wynn & Eagan Team take such pride in making sure they worked hard so We didn't have too. It's was so great to have everyone on the same page. What a relief. We had no idea what were doing as far as the process, but with the Wynn 7 Eagan Team by our side they made us proud and confident by keeping us informed and educated about every step that was taken. They have phenomenal customer service! Any questions we had they had an answer with in minutes. Sometimes we didn't even have questions because they had covered everything already. The whole process was so fast and so smooth I couldn't understand the horror stories I've heard. They made it pretty much stress free!!! - So much that they were all over the table at the time of closing. From the seller to the realtors to the title company every one was impressed by them and their smooth work. If you are thinking of buying a home please start with THE WYNN TEAM!!! They are by far the best I have ever seen. I give them the highest ranking of 5 stars and I highly recommend them. I am so thankful for them. I greatly appreciate all that you guys have done for me and my family. Thank you
I enjoyed working with Joe and everyone on his team. Everyone at Wynn & Eagan were super helpful and always available for questions. They helped take the stress away from what could be a very stressful process. Thanks for everything!
Great people great experience would use again
The Wynn Team is terrific! I have completed several loans with their team over the years and I am always so happy to have found them and have them in my corner. They are very knowledgeable about various programs and what is best for your situation and needs. They guide you through the process every step of the way and keep you updated weekly with the status and next steps. Thanks so much!!!
Extremely professional yet a personal touch. Very friendly and knowledgeable. We had a great deal of confidence in this team. (Joe in particular.)Not only would we highly recommend them to everyone we know, we would choose them over again!
We just refinanced our house with the Wynn Eagan Team. It went flawlessly! They were concise with what they needed and didn’t have a bunch of come backs for more. It was easy and Joe (Eagan) and Jennifer (processor) were great to work with!
They are great with first time home buyers and they continue to follow-up with you- and also help with refinancing as well!
I just received my "Congrats" gift from The Wynn Team - a very thoughtful and fun care package. It was great! I have had a wonderful experience with The Wynn Team. Cindy and Jennifer have both done a great job of keeping me informed from the very beginning. I especially appreciate Cindy taking the time to explain the Mortgage Credit Certificate to me - twice (due to my own forgetfulness - not her lack of clarity). She always makes sure I understand what is happening with the loan, and has been available whenever I need her. Jennifer too, takes the time to explain thoroughly what is going on with my credit approval, the appraisal process, underwriting, etc. She has been extremely helpful (and patient with me) in keeping me updated every step of the way. I very much appreciate this - the more I understand, the less stressful the process is. I have had a few challenges arise with my process and both ladies have been very supportive and encouraging. I really appreciate their "bed side manner" if you will. They are both compassionate, patient women, and that makes makes a big difference! All in all, I have absolutely no complaints! Your team is awesome!
We worked primarily with Joe to purchase our third home, along with three boys under the age of five. You can imagine how stressful home buying is with two toddlers and an infant, but Joe made the process easy! He was always so responsive, helpful, and polite. Always checking in to see how the home search was going and it really felt like he cared about us as clients. We will be using him in the future and will be recommending him to anyone and everyone! Tori, the processor we worked with was fantastic as well!
Exceptional service and communication! This team is top notch. They went above and beyond in their customer service, and their rates and overall closing costs were very competitive and beat out other companies. I was given their name by my son-in-law who also had a great experience. I won't even think twice about who to use if I have mortgage financing needs in the future. Great job Wynn Team!
The Wynn team made my home buying experience exceptional. I would recommend them to anyone who’s looking to purchase a home. Their professionalism shines through in all that they do and am grateful to have gone through this process with the Wynn team.
Exceptional service and communication! This team is top notch. They went above and beyond in their customer service, and their rates and overall closing costs were very competitive and beat out other companies. I was given their name by my son-in-law who also had a great experience. I won't even think twice about who to use if I have mortgage financing needs in the future. Great job Wynn Team!
I have used The Wynn Team twice and they are a excellent team! They always on top of everything and making sure i understood everything! Big thanks to Cindy Scott and joe for being there helping me thru the process and making my dream come true! I will definitely use them again if i have to! 😃
The Wynn Team is AMAZING! We got under contract on a house and the seller wanted us to close in less than 3 weeks. We were a little frazzled, but Scott, Joe, and Art were very reassuring. They were super organized, emailed us updates, called us with updates, called our realtor with updates, called the closing company with updates. They also got us a better loan than our credit unions could offer us. At no point did I have to call them with any questions because they were so clear about everything every step of the way. I can't praise them enough. I'm confident that no one else could've offered us the level of customer service and attention that they did.
Marla and her team did an exceptional job helping us obtain our mortgage. As first time homebuyers we were nervous about the process but Marla helped us each step of the way making it smooth and pleasant experience. She was always available to answer our questions which was key for us. It was great to have her at the closing and be excited for us! I highly recommend The Wynn Team to anyone who is looking to purchase a home, especially first time homebuyers. Thank you for a great experience Marla!
My realtors Loren, Karen and Kincaid Bimler of Your Castle Real Estate (303) 962-4272, are the best realtors on the planet. They care about their clients and go the extra mile to see that they find the home they are looking for. After having issues with my initial lender Loren referred me to The Wynn Team. They were professional and informative, but also understanding and made me feel very comfortable. They gave me more than enough information to make confident decisions and also gave me options that fit my life. In the end I owed nothing on the down payment and closing costs, and I was blown away. I highly recommend the Wynn Team and the Bimlers for your real estate needs.
Marla and her team did an exceptional job helping us obtain our mortgage. As first time homebuyers we were nervous about the process but Marla helped us each step of the way making it smooth and pleasant experience. She was always available to answer our questions which was key for us. It was great to have her at the closing and be excited for us! I highly recommend The Wynn Team to anyone who is looking to purchase a home, especially first time homebuyers. Thank you for a great experience Marla!
The Wynn Team is THE BEST! As a single mom, it was slightly difficult to go through this process yet the people at this company worked extremely hard to provide us the best financial loan. I LOVE THEM and YOU WILL TOO!
The Wynn team was top-notch through the entire home buying process. Communication was stellar, any questions we had were immediately answered. I loved them so much I have sent my own daughter there way for her first home buying experience. Thank you!
Just refinanced my house, and The Wynn and Eagan team made it the most easiest, most pleasant experience of my life. Will defiantly be using them in the future.
We just bought our first house with the help of the Wynn team. They made the process so easy and smooth. They were very easy to communicate with and always updated us with the most up to date information on our loan process. With their amazing service we were able to close a week early on our house. We would recommend them to anyone in the market for a new home.
Joe and team were great through the whole process. I liked the level of communication and the transparency into where we were at all times. Highly recommended!
The whole team was great. They made the process easy and simple. I would recommend using them if you are purchasing or refinancing a home.
Professional, organized, and friendly! Cindy and team were helpful from pre-approval to post-closing. We highly recommend the Wynn Team!
The team helped us purchase our first home. They answered every question and responded to every message or phone call. Highly recommend!
They are always a pleasure to work with. I have spoken to Joe several times over the years and it was always a pleasant experience.
Always a wonderful experience working with Joe and the whole team. I highly recommend these folks!
The Wynn Team was a pleasure to work with, very professional and prompt.
They made the entire process simple, and were extremely helpful and resourceful!
Great communication. Worked hard to get everything done in a timely manner!!
Good job
Clear explanations of the process at every step, no surprises.
