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.
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.
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 savings is only half the answer. What matters is the total cost over time. A debt consolidation loan calculator can help make this comparison concrete before you commit.
A plan for afterwards
Debt consolidation works effectively only when your balances stay completely cleared. That is an important truth worth being entirely honest with yourself about.
An appraisal
The total available amount depends directly on the current market value of your property. An official home appraisal is necessary to determine your precise borrowing capacity.
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
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?
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.