Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage is with us to explain how homeowners should evaluate whether to refinance now or wait for rates to drop further. With rates beginning to decline—but not expected to return to 2022 levels—Kurt stresses identifying your goals: lowering payments, removing mortgage insurance, accessing cash, or consolidating debt. He shows how refinancing, even from a 3–4% mortgage to a higher rate, can still save over $1,000 per month when factoring in high-interest credit card debt. Refinancing sooner also provides breathing room, improves credit scores, and reduces long-term interest paid. While waiting for lower rates might slightly reduce payments, homeowners risk losing significant monthly savings and potential cash-out options if values soften. Kurt also outlines alternatives such as FHA/VA streamline refinances, DSCR loans, bank-statement programs, rehab loans, bridge loans, reverse mortgages, and second-position equity options—giving homeowners multiple pathways to lower payments and improve financial stability. Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

Then, it’s another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc. Jim talks about wrapping up the AEP (Annual Election Period) for Medicare. Jim reflects back on a few client stories and how he was able to help so many clients. Jim says Medicare is still so confusing, with all the TV and radio ads, the mail bombardment, it’s easy to see why it’s overwhelming. But with Silver Sherpa Inc. they are your Guide up Mount Medicare. The service they offer is free and then Jim and the Team will be beside you every year making sure you don’t get lost in the bizarre world of Medicare.
Jim also shares some about us Faith and how he uses this in his business daily. The free Workshops will once again be in full swing starting mid-January, so stay tuned for more details. As an Independent Broker there is no fee for Jim to be your “Sherpa”, your Guide up Mt. Medicare. As a Broker, Jim offers the same exact pricing as Aetna, Humana, United Health Care, etc. the Silver Sherpa’s guidance up Mt. Medicare does not cost you a penny. All commissions are paid by the insurance companies. Call 303-865-5534. ⛰️ Don’t climb “Mt. Medicare” alone — let Silver Sherpa be your guide every step of the way! Check out the website at www.sherpa123.com.

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