shop around the companies he represents. >> we're able to save you $2,082 a year on your auto insurance. >> wow, that's great. >> high five, man. >> all right. thank you. >> reporter: the gunns had never refinanced their house because they didn't have the cash for closing costs. i took them to oswego county federal credit union. the credit union approved them for a new home loan at 5.35%, with no closing costs, which will save them $33,473. >> you will have it paid off in a matter of 11 years. saving you eight years off of your total payment of your mortgage right now. >> that's so huge. maybe we'll be able to retire. >> but wait, there's more. >> reporter: the credit union also offered to roll the gunns' car loans and credit cards into a home equity loan. a $13,684 savings and a sound practice, in their case, because they have a healthy amount of equity. >> that's going to save you $155 a month on that. and all of your debt will be paid off in three years. >> reporter: nancy cried tears of relief. >> seeing the light at the end of the tunnel. we so appreciate that, thank you. >> okay. >> reporter: but next, it was time for smiles. since oswego federal credit union recently renovated a historic train station, we used the old baggage scale to reveal the gunns' total savings to them. >> here we go. one, two, three. the scale landed on 58.