 If you're only paying the minimum every month, it'll take you years to pay that off, if ever. There are no upfront fees to get started, so call American Financing. And if you call today, you may not have to make next month's mortgage payment. American Financing, 303-695-7000. That's 303-695-7000, AmericanFinancing.net. NMLS 1-823-34, NMLSConsumerAccess.org.