You searched:
“can I refinance my house to pay off debt”
Yes. If you have equity in your home, a cash-out refinance can consolidate high-interest debt into your mortgage at a much lower rate. This can save hundreds per month and simplify your payments to one bill.
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- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
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We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Drowning in credit card interestSolution exists
- 2Multiple loan payments overwhelming budgetSolution exists
- 3Medical debt accumulatingSolution exists
- 4Want to consolidate into one manageable paymentSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Cash-Out Refinance
Pull equity from your home to pay off high-interest debt. Mortgage rates are typically 3-15% lower than credit card rates.
Available nowFHA Cash-Out
FHA allows up to 80% LTV cash-out with more flexible credit requirements than conventional.
Available nowVA Cash-Out
Veterans can access up to 100% LTV with VA cash-out refinance, maximizing the equity available.
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(248) 864-2200Drowning in debt? Your home equity can help.
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Frequently Asked Questions
Conventional: you can borrow up to 80% of your home value. FHA: up to 80%. VA: up to 100%. Your available cash equals the difference between your new loan and your current balance.
Often yes. If you are paying 18-25% on credit cards and can refinance at 5-7%, the interest savings are enormous. The key is not running up new credit card debt afterward.
It depends. If rates have dropped since your original loan, your new payment may be similar or even lower despite the higher balance. If rates are higher, the payment increases but is often still less than your mortgage plus all the debt payments combined.
Drowning in debt? Your home equity can help.
We will reach out at a time that works for you. No pressure, no obligation.