Debt Consolidation Refinance
Tired of Juggling Bills? Roll Your Debt Into One Simple Monthly Payment.
Credit cards, medical bills, personal loans — if high-interest debt is putting pressure on your budget, a debt consolidation refinance may help you consolidate eligible debt into one predictable payment. Let’s take a look at your options and see what may work for you.
Free quote · Call now or apply online · No obligation
Carrying High-Interest Credit Card Debt? With the average credit card APR at 24.94%, consolidating high-interest debt through a refinance may be worth exploring. Source: Forbes Advisor. Average credit card APR in Forbes Advisor’s database.
Feeling Overwhelmed by Multiple Bills Isn't a Failure. It's a Sign You Need a Better System.
When you're juggling payments to several different creditors, it's not that you're not paying — it's that you're paying and paying without seeming to get ahead. Between high interest rates eating into every payment, unexpected medical bills and minimum payments across multiple credit cards, it can feel like you're treading water — even when you're doing everything you can.
The Solution
What Is a Debt Consolidation Refinance?
A debt consolidation refinance may help you use available home equity to pay off certain high-interest debts and simplify your monthly finances. Depending on your equity, outstanding debt, and financial situation, you may be able to consolidate eligible debts into your mortgage.
Instead of managing multiple high-interest debts, a debt consolidation refinance gives you an opportunity to explore whether consolidating eligible credit card balances, personal loans or other qualifying debts into your mortgage could make your payments more manageable.
This isn't about simply chasing a lower mortgage rate. It's about taking a closer look at your high-interest debt, your available equity and your financial goals to determine whether consolidation may be an option for you.
Why Homeowners Are Choosing This Route
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Simplify your finances — stop juggling multiple due dates, minimum payments, and creditors
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Potentially lower your total monthly outflow — one loan payment can be less than the sum of your current bills
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Stop high-interest debt from snowballing — credit card APRs often run far higher than what a consolidation loan could offer
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Protect your credit — getting ahead of default and missed payments can help stabilize your credit profile
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Breathing room — free up cash flow for the things that actually matter
How It Works
Four steps, and a real person at every one of them.
Reach Out
Call 910.227.4770 or fill out our quick form. No obligation, no pressure.
Talk Through Your Situation
A consolidation specialist reviews your current debts and home equity to see what's realistic for you.
Get a Personalized Plan
We'll walk you through what a consolidation refinance could look like — your new payment, what debts get paid off, and what it means for your monthly budget.
Close and Breathe Easier
Once approved, your qualifying debts are paid off directly, and you're left with one simple payment going forward.
You Don't Have to Figure This Out Alone.
Whether you're already behind or just tired of the juggling act, let's see what your options look like — together.
Who This Is For
Is Debt Consolidation Refinancing Right for You?
This may be a fit if you're a homeowner who:
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Has credit card balances, medical debt, or personal loans you're struggling to pay down
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Is making multiple monthly payments and wants to simplify to one
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Has missed a payment or is worried about falling into default
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Has built equity in your home over time
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Wants lower total monthly debt obligations — not just a lower mortgage rate
"Providing elite-level speed and professional certainty to every homebuyer in the Southeast."
Our Mission
Frequently Asked Questions
Do I need good credit to qualify for debt consolidation refinancing?
Not necessarily. Many homeowners who qualify have less-than-perfect credit, including some who have missed payments. Every situation is different — the best way to know is a free, no-obligation conversation with a specialist.
Will this pay off all of my debt?
It depends on your available home equity, the debts you want to consolidate and your overall financial situation. Certain high-interest debts, such as credit cards, personal loans and medical bills, may be eligible for consolidation. We’ll review your options and help determine what may qualify for your situation.
Is this the same as refinancing for a lower interest rate?
Not necessarily. While a debt consolidation refinance involves a new loan with its own rate and term, the goal is to explore whether eligible high-interest debts may be consolidated using your home equity. It’s different from a traditional rate-and-term refinance, which focuses on changing the terms of your existing mortgage.
How much could my monthly payment change?
It varies based on your current debt, interest rates, available home equity and overall financial situation. Depending on your circumstances, consolidating eligible high-interest debt may help make your monthly obligations more manageable. A specialist can review your situation and provide numbers specific to your options.
I'm already behind on payments — can I still do this?
Yes, this is often exactly the situation where debt consolidation helps most. Reach out as early as possible — the sooner we talk, the more options are typically available.
How long does the process take?
Timelines vary based on your specific situation, but many homeowners can complete the process in a matter of weeks. Call 910.227.4770 to get a personalized timeline.
Does checking my options affect my credit score?
An initial conversation and pre-qualification typically does not require a hard credit check. We'll let you know before anything that could impact your credit.
Is there any cost or obligation to get a quote?
No. Getting your personalized options is free and comes with no obligation to move forward.
See What Debt Consolidation Could Look Like For You.
Takes less than 2 minutes. No obligation.