Why Consolidate Debt Through Your Mortgage?
Cut Rates from 18% to 3-5%
Roll high-interest credit cards and loans into your mortgage at a fraction of the rate.
One Simple Payment
Replace multiple payments with a single, manageable monthly mortgage payment.
Improve Cash Flow
Free up hundreds every month and improve your cash flow immediately.
Pay Off Debt Faster
Eliminate high-interest balances years sooner than minimum payments allow.
Stop Collection Stress
End collection calls and financial stress by clearing outstanding balances.
Rebuild Your Credit
Consistent on-time mortgage payments help rebuild your credit score over time.
Turn High-Interest Debt Into One Low Payment
High-interest credit cards, lines of credit, and personal loans can drain your finances — often at 18-22% interest. Debt consolidation through your mortgage rolls all of those balances into your mortgage at mortgage rates, typically 3-5%. The result is one simple payment and dramatic monthly savings.
How It Works
We refinance your mortgage to access your home equity, then use that equity to pay off your high-interest debts directly. You never see the money — you just see the savings on your monthly statements.
Real Savings, Real Fast
Most clients consolidating $15,000 or more in high-interest debt save $300-800 every month. That's money back in your budget for the things that matter.
See How Much You Could Save
Imagine replacing $30,000 of credit card debt at 19.99% with a mortgage refinance at 4%. Your interest drops from nearly $500/month to about $100/month — a saving of $400 every single month. We calculate the exact savings for your situation, including any refinance costs, so you know your break-even point before you commit. No guesswork, no pressure.
Calculate My Savings
Our 3-Step Consolidation Process
1. Debt Inventory
List all debts with balances, interest rates, and payments to see the full picture.
2. Savings Calculation
Show you exactly how much you'll save monthly and in total interest costs.
3. Consolidation & Payoff
Refinance to pay off all debts directly — you never see the money, just the savings.
What Debts Can You Consolidate?
Most unsecured and secured debts can be rolled into a mortgage refinance, including credit cards, personal loans, car loans, lines of credit, and even tax arrears. If it carries a higher rate than your mortgage, consolidation likely makes sense.
Will It Hurt My Credit?
There may be a short-term dip, but paying off revolving debt usually improves credit scores within 6-12 months. Consistent mortgage payments then continue to build your score over time.
Clients consolidating $30,000 of credit card debt typically save over $400/month in interest alone.
Debt Consolidation Frequently Asked Questions
Ready to Get Out of Debt?
Stop paying high-interest rates. Let us show you how consolidation can free up hundreds every month — it's free to explore your options.