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Understanding Debt Consolidation
Debt consolidation through home equity can be a powerful strategy for regaining financial control. By replacing multiple high-interest debts with a single, lower-rate mortgage payment, homeowners can simplify their finances and reduce monthly expenses. The average homeowner saves $384 per month after consolidating debt through a cash-out refinance or HELOC.
Replace 20%+ interest rates with mortgage rates under 7%.
How NMHL Helps
Proven solutions for debt consolidation
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
We Serve 29 States
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Frequently Asked Questions
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