MortgageFi · Financing with perspective.
A broader view.
A considered beginning.
Debt consolidation review
Compare using mortgage equity to repay other debts with keeping those debts separate. Look beyond the monthly payment to the total cost and term.
A considered fit.
Homeowners evaluating multiple debt payments and a longer-term payoff plan.
The details that matter.
- Moving unsecured debt into a mortgage puts the home at risk.
- A lower payment may still mean more interest over time.
- Review fees, repayment term, and the risk of rebuilding balances.
Prepare for the conversation.
- Current mortgage statement
- Balances and payments for debts under review
- Income and property value information
This is an initial discussion checklist. The applicable lender may require additional documents and uses its own eligibility and calculation rules. Do not send sensitive documents through this preview.
A broader view.
More possibilities.
Rate & term refinance
Review replacing the existing mortgage to change its rate, term, or structure. Compare closing costs and the time you expect to keep the loan.
Cash-out refinance
Explore a new mortgage that pays off existing liens and may provide cash from available equity. Compare it with keeping the first mortgage and adding a second lien.
Home equity line of credit
A HELOC is a revolving line secured by your home. Compare access to funds with its rate structure, draw period, and repayment obligations.
Your next chapter.
Consider the possibilities.
Begin with a goal. Explore your possibilities. Prepare for the conversation.