Debt Consolidation
Combine high-interest credit cards and loans into one lower-rate mortgage payment and simplify your monthly budget.
Debt Consolidation
One Payment
Instead of Many.
Debt consolidation uses your home equity to pay off credit cards, personal loans, and other high-interest balances, replacing them with a single mortgage payment at a much lower rate. For many homeowners, it frees up hundreds of dollars a month and brings order back to their finances.
- Pay off high-interest credit cards
- Replace many bills with one payment
- Potentially lower your total monthly outlay
- A clear plan with honest long-term math
Explore Your Options
Our Refinance Programs
Find the refinance solution that fits your goals
01.
30-Year Fixed Rate Mortgage
The lowest fixed monthly payment for the longest term, with a rate that never changes.
04.
Debt Consolidation
Combine high-interest credit cards and loans into one lower-rate mortgage payment and simplify your monthly…
05.
Cash-Out Refinance
Turn your home equity into cash for renovations, education, or major expenses with one new…
06.
Rate & Term Refinance
Lower your rate, change your term, or remove mortgage insurance without taking cash out of…
Explore all refinance options. View All Programs
Your Advantages
Why Consolidate With
Your Mortgage?
Credit card rates are among the highest you can pay. Moving that debt into a mortgage can cut your interest cost dramatically, as long as the plan is built right.
- Lower Rate. Mortgage rates are typically a fraction of credit card and personal loan rates.
- One Payment. Replace multiple due dates and minimums with a single, predictable monthly payment.
- Cash Flow. Lower total monthly payments can free up money for savings, family, and everyday life.
- Credit Health. Paying revolving balances down can improve your credit utilization over time.
How It Works
Our Loan Process
Four clear steps from your first conversation to closing day, all handled by one in-house team.
Consultation
We start by understanding your goals. Your dedicated loan officer reviews your situation and recommends the right program.
Pre-Approval
Our technology compares your scenario across multiple investors in minutes. You get a clear picture of your rates, costs, and options.
Processing
Your in-house processor collects documents, orders the appraisal, and coordinates with title and closing. No third-party handoffs.
Closing
Final documents are prepared, reviewed, and signed. Funds are disbursed. Your loan officer stays with you through the last signature.
Ready to Get Started?
Frequently Asked Questions
Answers to the questions we hear most about consolidating debt with your mortgage.
What debts can I consolidate?
Credit cards, personal loans, auto loans, medical bills, and other consumer debts can typically be paid off through a cash-out refinance, subject to your available equity.
How much equity do I need?
Most programs allow a new loan up to 80% of your home's value. We subtract your current mortgage balance to show how much debt you can pay off.
Will consolidating debt hurt my credit?
The application involves a credit inquiry, but paying off revolving balances often improves your credit utilization over time. Keeping those accounts at zero afterward matters most.
Will I pay more interest in the long run?
It depends on the term. Stretching short-term debt over 30 years can increase total interest even at a lower rate. We show you the full comparison and options to pay it down faster.
Are creditors paid directly?
In most cases, yes. Your selected debts are paid directly at closing, so you do not have to manage the payoffs yourself.
Is a HELOC an alternative?
Yes. If your current mortgage rate is low, a HELOC can consolidate debt without refinancing your first mortgage. We compare both options for you.
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Contact With Us!
2220 Plymouth Rd #302, Hopkins, Minnesota(MN), 55305
Call us: (234) 109-6666
Mon – Sat: 8.00am – 18.00pm / Holiday : Closed