Debt Consolidation
High-interest debt is financial quicksand. If you have home equity, you may be able to consolidate your debt into a low-rate mortgage — and dramatically improve your cash flow.
The math on debt consolidation using home equity can be genuinely compelling. Credit cards at 19–28%. Car loans at 8–12%. Personal loans at 10–20%. Now imagine rolling all of that into a single mortgage payment at 5–6%.
Your monthly payments drop. You pay off debt faster. You free up cash flow for savings, investments, or simply sleeping better at night.
I'll model the full numbers for you — including any penalties and the long-term cost comparison — so you make a fully informed decision, not just a reactive one. Consolidation can be powerful, but only when it's the right tool for your situation.
What You Get Working with Me
- Roll high-interest debt into a low-rate mortgage
- Dramatically reduce total monthly debt payments
- Pay off debt faster with far less interest
- Improve monthly cash flow and reduce financial stress
- Full financial analysis before you commit to anything
Common Questions
How much equity do I need?
You need enough equity to cover the combined balance of your new mortgage plus the debt you want to consolidate, up to a maximum of 80% of your home's appraised value.
Is this the same as a HELOC?
Both use home equity, but differently. A HELOC is a revolving line of credit; debt consolidation via refinancing rolls everything into one fixed mortgage payment. Each has pros and cons — I'll explain both.
Won't I just go back into debt?
That's a real risk worth taking seriously. Consolidation works best alongside a plan to address spending habits. I'll point you to resources that can help, and we'll build a plan designed to stick.
Ready to Get Started?
Let's talk about your situation. I'll find the best options available for you, at no cost.
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