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FAQs
 
What is debt settlement?
Debt settlement, also known as debt negotiation, is an aggressive approach to eliminating your unsecured debt. Yellow Brick will negotiate with your creditors to lower your monthly payments, reduce the total balances owed by up to 50%, and get you debt free in less than 3 years.

Who is eligible for Yellow Brick’s debt relief services?
Yellow Brick’s Debt Reduction Program is appropriate for consumers who have severe credit card debt, are struggling to meet minimum monthly payments, facing collection or considering bankruptcy.

How long will it take me to pay off my debt?
The Yellow Brick debt reduction program is designed to have you debt free in 2-3 years.

What are the most common mistakes made when buying a home?
When buying a home it’s important to conduct research and ask questions about the process. Some of the commonly made mistakes are: looking for a home without being pre-qualified or pre-approved for a mortgage, making verbal agreements, not getting a rate lock in writing, buying without proper home inspections, and not shopping for home insurance early enough.

Should I refinance?
The most common reasons to refinance are to save money or consolidate debt. Since every situation is different, you should weigh the pros and cons before choosing this option. Consulting with one of our mortgage experts will save you time and money.

How much can I afford to borrow?
The amount of a loan depends on numerous factors. The area you want to live, your income, debt and FICO score all affect the amount of money you can borrow.

What is a FICO score?
A FICO score is a credit score developed by Fair Isaac & Co. in attempts to condense a borrower’s credit history into a single number. Credit scoring is a method of determining the likelihood that credit users will pay their bills.

What types of insurance quotes can I receive through Perennial Funding’s Services?
Our network of affiliates offers auto insurance, home insurance and health insurance, and life insurance policies. Allow us to find the absolute best coverage for the most competitive rates.
 
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