One payment instead of six, and no lecture from us.
Debt consolidation refinancing can help you use your home’s equity to consolidate high-interest debt into your mortgage, potentially simplifying your monthly payments.
We compare debt consolidation refinance options across 100+ lenders to help you find the right fit for your goals.
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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.
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
Monthly savings are half the answer. Compare the total cost using a consolidation loan calculator.
A plan for afterwards
Consolidation only works if your balances stay cleared afterward. Be honest with yourself about that.
An appraisal
Your borrowing amount depends on current market value, so an official home appraisal is required.
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, and it is central to the broader question of whether debt consolidation is good or bad for your specific situation.
A lower monthly payment can cost more overall
Spreading your financial balance over a much longer period reduces the monthly payment amount, but it can significantly increase the overall total cost. We always ensure transparency by showing you both figures clearly before you make any decisions.
It only works once
If your credit cards fill up again afterwards, your financial position becomes much worse than it was before. We believe in complete honesty and would rather state that crucial warning right now to protect your future.
Nadeem Bhatti
Where we place consolidation refinances
Maryland
Virginia
Washington DC
North Carolina
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?
There can be a short term dip from the credit inquiry and the new account, but paying off high-interest cards often helps your utilization ratio, which can offset that over time. This is part of the broader picture people weigh when deciding if debt consolidation is a good idea for their credit profile.
Is this the same as a cash out refinance?
Functionally, yes. A debt consolidation refinance is a cash-out refinance where the cash is used specifically to pay off existing debt rather than for another purpose.
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, which is part of why comparing options through a debt consolidation loan calculator or a direct conversation with a loan officer matters more than assuming you would not qualify.
Should I use a HELOC instead?
If you want to keep your existing low rate first mortgage untouched, a HELOC as a second lien can make more sense than refinancing the whole loan. It depends on the gap between your current rate and today’s rates.
Will I definitely save money?
Not automatically. Saving depends on the rate you are consolidating away from versus your new blended rate, and on whether the balances stay paid off. We show you the real numbers before you decide, rather than assuming debt consolidation is good or bad as a blanket answer.
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.