One payment instead of six, and no lecture from us.
Debt consolidation refinances across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Most people carrying expensive debt got there through something ordinary. A medical bill, a bad year, a divorce. We are here to price the options, not to judge them.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Consolidating is usually worth pricing if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| Credit card interest is taking most of your payment | This is the clearest case, because the gap between card cost and mortgage cost is wide | Cash out refinance → |
| You are managing several payments a month | Consolidation simplifies the admin as much as the cost | All refinance options → |
| A medical bill or a bad year put you here | Extremely common, and no lender worth using will treat you differently for it | Talk to us → |
| You have equity but not cash | The equity is what makes this possible | Cash out refinance → |
| You want to keep your low first mortgage rate | Then a second lien may be the better tool | HELOC → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a consolidation file needs
Equity in your home
This is what the consolidation is secured against.
A full picture of what you owe
Balances and what each one actually costs you. Bring the statements.
Income you can evidence
Standard documentation, or a non-QM route if you work for yourself.
An honest look at the total
The monthly saving is only half the answer. What matters is the total cost over time.
A plan for afterwards
Consolidation works when the balances stay cleared. That is worth being honest with yourself about.
An appraisal
The available amount depends on the current value of your home.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Unsecured debt becomes secured debt
A credit card is not tied to your house. After consolidation, that balance is. This is the single most important thing to understand.
A lower monthly payment can cost more overall
Spreading a balance over a much longer period reduces the payment and can increase the total. We show you both figures.
It only works once
If the cards fill up again afterwards, the position is worse than before. We would rather say that now.
Nadeem Bhatti
Where we place consolidation refinances
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What homeowners ask about consolidating
Will consolidating hurt my credit?
Usually it helps over time, because balances are cleared and utilisation drops. There can be a short-term effect from the new loan.
Is this the same as a cash out refinance?
Mechanically, often yes. The difference is the purpose, and that purpose changes how we advise you.
What if I have missed payments?
You would not be the first, and it does not automatically stop this. Different lenders take very different views.
Should I use a HELOC instead?
Possibly, especially if your first mortgage rate is low. Keeping it untouched and adding a second lien is often cheaper.
Will I definitely save money?
Not always. That is why we work out the total cost, not just the monthly payment, before you decide.
See the real numbers before you decide
Send us what you owe and what it costs you. We will show you the monthly saving and the total cost, free.