One payment, lower rate
Replace 20%+ credit card interest with mortgage-level rates and a single monthly payment.
A debt consolidation mortgage rolls credit cards, loans, and other high-interest debt into your mortgage at a much lower rate — replacing several payments with one manageable monthly payment. My Future Mortgage assesses whether consolidating frees up real cash flow for your situation.
Replace 20%+ credit card interest with mortgage-level rates and a single monthly payment.
Lower total interest can mean hundreds back in your budget each month.
If you have equity, consolidating through your mortgage is often the cheapest way to clear debt.
We pair consolidation with a strategy so you don't end up back in the same spot.
Yes, if you have sufficient home equity. You can refinance up to 80% of your home's value and use the funds to pay off higher-interest debts, leaving one lower-rate mortgage payment.
Consolidating and paying off revolving debt often improves your credit utilization over time. The initial application involves a credit check, but reducing high-interest balances is generally positive.
It can be, when the interest savings are significant and you avoid running balances back up. We run the numbers for your situation so the decision is based on real savings, not guesswork.