Home Equity Debt Consolidation
Homeowners with equity can replace 24% APR credit card debt with a 8–10% HELOC or cash-out refinance — saving five figures in interest.
Key Benefits
- HELOC rates from 8.49%
- Tax-deductible interest (consult CPA)
- Loan amounts $25K–$500K
- No income required for some programs
Who It's For
Homeowners with 15%+ equity and a 620+ FICO score.
How It Works
- Free home value & equity estimate
- Soft credit check
- Lender match
- Close in 14–21 days
Common Questions
Am I risking my home?
Yes — a HELOC is secured by your home. We only recommend this path when the math and your income clearly support it.
Related Services
Rated 4.8/5 by 2,143 Americans
Real members. Real results.
"Cut my monthly payment by $612. Done in 48 hours."
Maria S. · Houston, TX
"Honest team. No pressure. Saved me $18,400 in interest."
James R. · Atlanta, GA
"Finally one bill. My credit went up 71 points in 4 months."
Latoya K. · Orlando, FL
"After 7 years of minimums, I have a real payoff date."
Daniel P. · Phoenix, AZ
"Approved same day. Funds the next morning. Real people."
Aisha B. · Chicago, IL
"Best decision of 2026. Wish I'd called a year sooner."
Eric L. · Charlotte, NC
Ready to lower your payment?
Free quote in 60 seconds. No credit impact.