Debt & Home Equity · 2026

Turn High-Interest Debt Into One Lower Monthly Payment

If you’re carrying credit card balances at 20%+ APR, the equity in your home could help you consolidate into a single, more manageable payment — without refinancing your mortgage.

See If I Can Consolidate

Free to check · No obligation · Won’t affect your credit score

Homeowner reviewing finances at home, looking relieved

The math most homeowners never run

High-interest debt spread across several cards can quietly cost you every month. Consolidating with home equity may simplify it into one payment — often at a lower rate.

Multiple credit cards

Balances often at ~20–25% APR
Several due dates to juggle
Most of each payment goes to interest
Hard to see an end date

One HELOC

Typically a lower rate than credit cards
One payment, one place
Draw only what you need to pay them off
Interest only on what you use

Illustrative example only. Your rate, terms, and approval depend on the lender and your situation. A HELOC is secured by your home.

Why a HELOC — not another loan

Keep your mortgage

No refinance required. A HELOC works alongside your current loan and leaves its terms intact.

Only use what you need

It’s a revolving line, not a lump sum — borrow what clears your balances and pay interest only on that.

Free to check

Seeing estimated options is typically a soft inquiry, so checking eligibility won’t affect your credit score.

Common Questions

A HELOC (Home Equity Line of Credit) is a flexible, revolving line of credit secured by the equity in your home. You can draw funds as you need them and typically pay interest only on what you use.

Checking your options is free with no obligation. Seeing estimated options is typically a soft inquiry; a hard credit inquiry generally happens only when you formally apply with a lender.

No. A HELOC works alongside your existing mortgage without changing its terms, so you don't need to refinance.

It depends on your home's value, your remaining mortgage balance, your credit, and the lender. Checking your options is the fastest way to see real numbers for your situation.