Debt Consolidation · Fresno, CA
Use your Fresno home's equity to pay off high-interest credit cards, medical bills, and loans — and replace them with one simple monthly payment at a much lower rate.
Sound familiar?
Paying 20%+ interest on credit cards while sitting on home equity at a fraction of that rate.
Keeping track of five different due dates, minimum payments, and interest rates is exhausting.
Unexpected medical expenses can derail even the most careful budget. Your home equity can help.
Minimum payments keep you in debt for years. A debt consolidation loan gets you out faster.
How your home equity solves this
Your options
Replace your current mortgage with a new one at a higher balance. Use the difference to pay off all your debt. One loan, one payment, one rate.
A home equity line of credit lets you draw what you need. Great if you want flexibility or are paying off debt in stages.
How it works
Share what you owe and we'll show you how much you could save by consolidating.
We compare your current payments to what a consolidation loan would look like — side by side.
Pick the option that fits your goals. No pressure — we explain everything clearly.
Your debts are paid off at closing. One payment starts next month.
No commitment. No hard credit pull. A loan specialist will follow up within one business day.
Frequently asked questions
Is it smart to use home equity to pay off credit card debt?
For many homeowners it makes a lot of sense. Mortgage rates are typically far lower than credit card rates, so consolidating can save thousands in interest and reduce your monthly payment significantly. The key is committing not to run the cards back up afterward.
How much equity do I need to consolidate debt?
Most lenders allow you to borrow up to 80-85% of your home's appraised value minus what you currently owe. With Fresno home values having risen significantly in recent years, many homeowners have more available equity than they realize.
Will debt consolidation hurt my credit score?
There is typically a small, temporary dip from the hard credit inquiry. However, paying off credit card balances often improves your credit utilization ratio, which can actually raise your score over time.
What is the difference between a cash-out refinance and a HELOC for debt consolidation?
A cash-out refinance replaces your existing mortgage with a new, larger one and gives you the difference in cash to pay off debts. A HELOC is a separate line of credit on top of your mortgage. Cash-out refis are better for paying off a fixed amount of debt all at once. HELOCs offer more flexibility if your needs vary.
How long does a debt consolidation loan take to close in Fresno?
Most cash-out refinances and HELOCs close within 15-30 days. We work to move quickly so you can start saving as soon as possible.