Debt Consolidation Mortgage
Roll high-interest credit cards, loans, and lines of credit into one low mortgage payment.
What debt consolidation does
If you're carrying credit card balances at 20%+ interest or multiple loan payments each month, rolling that debt into your mortgage — typically under 6% — can dramatically cut what you pay in interest and simplify your finances to a single monthly payment.
This works by refinancing your mortgage and using the equity in your home to pay off higher-interest debt directly.
Who it's for
- Homeowners with multiple high-interest debts
- Anyone with 20%+ home equity available
- Households wanting one predictable monthly payment
- Anyone whose credit is strained by minimum payments
How Nestwell helps
- Calculate your real interest savings before you commit
- Find a lender comfortable with your current debt load
- Structure the payout so debts are cleared directly at closing
- Talk through whether consolidation or a HELOC fits better
Worth knowing
Consolidating extends the repayment period of that debt, which can mean paying more in total interest over time even at a lower rate — we'll walk through the real numbers so you can decide with full information.
Estimate Your New Combined Payment
Common debt consolidation questions
You can typically borrow up to 80% of your home's value, minus what you currently owe. We'll calculate exactly how much room you have.
It typically helps over time — paying off high-utilization credit cards usually improves your credit score once the balances clear.
Credit cards, personal loans, car loans, and lines of credit are all typically eligible, depending on the lender.
It depends on whether you want a fixed lump-sum payoff or ongoing flexible access. We'll walk through both so you can compare.
See how much you could save
Free, no-obligation review of your debts and options.