Debt Consolidation Through Your Mortgage
If you're juggling credit cards, lines of credit, or car loans at high interest rates, rolling that debt into your mortgage could lower your monthly payments significantly.
How It Works
By refinancing and using your home equity to pay off higher-interest debts, you replace several payments with one — usually at a mortgage rate that's far lower than credit card or unsecured loan rates.
Is It Right for You
This works best if you have enough home equity to cover the debt and a plan to avoid rebuilding it. I'll walk through your full financial picture with you — honestly — before recommending this route.
For illustration only: consolidating credit card balances carrying around a 25% interest rate into a mortgage rate near 4% can meaningfully lower your total monthly payment — but the exact numbers depend entirely on your equity, balances, and mortgage terms.
Figures above are hypothetical examples for illustration only — not a quote or guarantee.
Frequently Asked Questions
It depends on your total debt and your home's value — I'll calculate this with you directly.
Ready to Simplify Your Debt?
Book a free call and let's see if consolidating through your mortgage makes sense.