Simplify Your Finances with Debt Consolidation Loans

  • Purchase
  • Refinance
  • Cash Out
  • Debt Consolidation
  • Residence
  • Investment

Transform multiple high-interest debts into one manageable monthly payment. Lower your interest rate and save thousands while leveraging your home equity.

Lower Interest Rates
One Monthly Payment
Improve Credit Score
Get Your Free Debt Analysis (760) 930-0569
Secure Application Process
No Prepayment Penalties
$500M+
Debt Consolidated
2,800+
Families Helped
4.9★
Client Satisfaction
30+ Years
Combined Experience

Why Choose Debt Consolidation?

Debt consolidation loans offer a strategic path to financial freedom by combining multiple debts into a single, manageable payment with better terms. Here's how it can transform your finances.

Lower Interest Rates

Replace high-interest credit card debt (18-25% APR) with a low-rate mortgage (typically 6-8%), saving thousands in interest over time.

Reduce Monthly Payments

Consolidate multiple payments into one lower monthly payment, freeing up cash flow for savings, investments, or other financial goals.

Improve Credit Score

Pay off revolving credit card balances to lower your credit utilization ratio, which can significantly boost your credit score.

Financial freedom through debt consolidation

Simplified Financial Management

Manage just one payment instead of juggling multiple due dates and creditors, reducing stress and risk of missed payments.

Leverage Home Equity

Access the equity you've built in your home to consolidate debt at favorable terms while maintaining homeownership.

Tax-Deductible Interest

Unlike credit card interest, mortgage interest may be tax-deductible when used for home improvements, providing additional savings.

Debt Consolidation vs. Credit Cards

See how a debt consolidation loan compares to maintaining multiple credit card balances. The difference is substantial.

Feature Debt Consolidation Loan Multiple Credit Cards
Average Interest Rate
Mortgage rates are significantly lower than credit card rates
 6-8% 18-25%
Monthly Payment
Simplify finances with a single predictable payment
 One Fixed Payment Multiple Variable Payments
Payment Term
Clear timeline to becoming debt-free
 15-30 Years Revolving/Indefinite
Tax Benefits
Mortgage interest may be tax-deductible for home improvements
Credit Score Impact
Lower utilization ratio improves credit score
 Positive Negative if High Utilization
Total Interest Paid
Save thousands over the life of the loan
 Much Lower Much Higher

Example Savings: A homeowner consolidating $50,000 in credit card debt at 20% APR into a 7% mortgage could save over $180,000 in interest over 30 years while reducing monthly payments by $600+.

Your Path to Financial Freedom

Our streamlined debt consolidation process is designed to get you from multiple payments to one manageable payment quickly and efficiently.

01

Free Debt Analysis

We review your current debts, interest rates, monthly payments, and home equity to determine potential savings and create a customized consolidation strategy.

02

Application & Documentation

Submit your application with recent pay stubs, bank statements, current debt statements, and property information. We guide you through each requirement for a smooth process.

03

Underwriting & Approval

Our team works with lenders to secure the best terms. We handle appraisal coordination, title work, and ensure all conditions are met for a timely approval.

04

Closing & Debt Payoff

Sign your loan documents and we coordinate direct payoff of your existing debts. Start enjoying one lower monthly payment and improved cash flow immediately.

Typical Timeline: 30-45 days from application to closing

Expedited processing available for qualifying borrowers

Real Stories of Financial Freedom

Discover how debt consolidation has transformed the financial lives of homeowners just like you.

Michael Chen

Michael Chen, 38

"I was drowning in $45,000 of credit card debt with payments totaling $1,800/month at 22% interest. E Mortgage Capital helped me consolidate everything into one $680 monthly payment at 6.5%. I'm saving over $1,100 per month and will be debt-free in 15 years instead of never! My credit score has already improved by 75 points."

Patricia Williams

Patricia Williams, 52

"After my divorce, I had overwhelming debt from legal fees and credit cards. Rodney Rose and his team showed me how to use my home equity to consolidate $62,000 in debt. My monthly payment dropped from $2,400 to $950, and I finally have breathing room in my budget. Their compassionate guidance made all the difference during a difficult time."

4.9/5from 420+ reviews

Frequently Asked Questions

Get answers to common questions about debt consolidation loans and how they can help you achieve financial freedom.

You can consolidate virtually any type of unsecured debt including credit cards, personal loans, medical bills, student loans, auto loans, and other high-interest debt. The key is using your home equity to secure a lower interest rate and simplified payment structure.
Most lenders require you to maintain at least 20% equity in your home after the consolidation loan. For example, if your home is worth $400,000 and you owe $200,000, you have $200,000 in equity and could potentially borrow up to $120,000 for debt consolidation while maintaining the required equity cushion.
Initially, there may be a small temporary dip from the credit inquiry and new account. However, most clients see significant credit score improvements within 3-6 months as they pay down revolving debt, lower their credit utilization ratio, and establish a positive payment history with consistent on-time payments.
A cash-out refinance replaces your existing mortgage with a new, larger loan, giving you the difference in cash. A home equity loan (second mortgage) is a separate loan that sits behind your first mortgage. Choose cash-out refinance if current rates are favorable; choose a home equity loan if you want to keep your existing low-rate first mortgage.
The typical timeline is 30-45 days from application to closing. This includes property appraisal, underwriting, title work, and final approval. We offer expedited processing for qualifying borrowers who need faster debt relief. Once closed, we coordinate direct payoff to your creditors within 3-5 business days.
The main risk is that your home becomes collateral for the debt. If you fail to make payments, you could face foreclosure. However, this risk is mitigated by the significantly lower monthly payment and fixed terms. We ensure you have sufficient income and a realistic budget before proceeding. Never consolidate debt without a plan to avoid accumulating new debt.
Yes, your credit cards typically remain open after we pay them off, though we recommend closing or limiting some accounts to avoid re-accumulating debt. Many clients keep one card with a low limit for emergencies. We provide financial counseling to help you develop better spending habits and avoid falling back into the debt cycle.
If you use the loan proceeds for home improvements, renovations, or repairs, the interest may be tax-deductible under current IRS rules. However, interest on funds used solely for debt consolidation is generally not tax-deductible. Consult with a tax professional about your specific situation to understand the tax implications.

Still have questions? Call us at (916) 232 3040 for personalized guidance.

Ready to Simplify Your Finances and Save Thousands?

Stop juggling multiple high-interest payments. Let us show you how debt consolidation can lower your monthly obligations and put you on the path to financial freedom.

Get Your Free Debt Analysis (916) 232 3040
24-48 Hours
Average Response Time
30+ Years
Combined Mortgage Experience
2,800+
Families Helped with Debt

Why Choose Our Debt Consolidation Program?

Lower interest rates than credit cards
One simple monthly payment
Potential tax benefits
Improve your credit score

Debt Consolidation Loan

  • Purchase
  • Refinance
  • Cash Out
  • Debt Consolidation
  • Residence
  • Investment

You can use Debt Consolidation Mortgage Loans for the financing purposes of PURCHASE, REFINANCE, CASH-OUT, DEBT-CONSOLIDATION, RENOVATION, REHAB, REMODEL, GROUND UP CONSTRUCTION for both your primary residence and for rental investment property.

Simplify Your Finances and Take Control of Your Debt

If you’re managing multiple loans or credit card balances, a Debt Consolidation Loan from the Rodney Rose Mortgage Team can help you streamline your finances and reduce monthly stress. By combining your debts into one manageable payment — often at a lower interest rate — you can take control of your financial future and start building lasting stability.

Our goal is to help you find clarity, save money, and move closer to financial freedom.

debt consolidation loan, consolidate debt, lower interest loan

Benefits of a Debt Consolidation Loan

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Simplify Your Finances

Instead of juggling multiple due dates, lenders, and interest rates, you’ll have just one easy payment each month — giving you more control and peace of mind.

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Lower Interest, More Savings

Most consolidation loans carry significantly lower rates than credit cards, helping you save hundreds or even thousands of dollars over the life of the loan.

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Faster Path to Financial Freedom

A structured repayment plan means you can become debt-free faster — with a clear timeline toward completion.

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Smart Use of Home Equity

If you’re a homeowner, you can use your home’s equity through a cash-out refinance or home equity loan to consolidate debts at even lower rates.

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Expert Guidance

The Rodney Rose Mortgage Team will help you evaluate all available consolidation options — personal, mortgage-based, or hybrid — to ensure your loan fits your goals and budget.

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Financial Reset Opportunity

By consolidating your debt, you can not only reduce your monthly obligations but also create a fresh financial start — giving you the breathing room to rebuild credit, grow savings, and plan for future goals.

Documentation You'll Need

The list of documentation items shown below is a good general list. However, based on your borrower profile overlayed with the specific loan program underwriting guidelines, you may need to provide additional information. In some circumstances, you may not need to provide the entire list of items. Speak with Rodney Rose, your trusted loan officer, for your specific documentation needed.

  • Tax returns - You will need to fill in a Form 4506-T, and provide your tax forms (the last 2 years should suffice).

  • Pay stubs, W-2s, 1099's, K-1's, or other proof of income -These include your most recent 1 month of pay stubs. If you are self-employed you must provide the two most recent tax returns as well as a year-to-date profit and loss statement. If you file a separate business tax return, you will need to provide the most recent 2 years along with a year-to-date profit and loss statement.

  • Bank statements and other assets - Lenders need your most recent 2 months bank statements and may request proof of your retirement accounts, assets, as well as other investment accounts.

  • Credit history and FICO score - Your credit report will be obtained which will provide details of your credit payment history, including any episodes of bankruptcies or foreclosures.

  • Gift letters - If any friend or family member wants to help you with the down payment or closing costs by offering you some cash you must provide a “gift letter” which states that the money is a gift and not a loan.

  • Photo ID - Provide a government issued ID with photo such as a driver's license or passport.

  • Renting history - Your history as a tenant on rent to guarantee you can pay your rent bills on time.

  • Co-Borrower or Co-Signor - If a Co-Borrower or Co-Signor is used in qualifying. You will need to provide all of the same items for them also.

Ready to Take Control of Your Debt?

Simplify your finances, lower your stress, and take the first step toward financial freedom. The Rodney Rose Mortgage Team is ready to help you create a plan that works for your financial goals.

Debt Consolidation Loan Process

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Initial Consultation

Meet with the Rodney Rose Mortgage Team to discuss your debt situation and financial goals. We’ll help identify which consolidation option best fits your needs.

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Pre-Qualification

We’ll review your income, credit, and debt structure to determine your eligibility and potential savings.

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Application Submission

Submit the required documents and complete your loan application with our team’s guidance.

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Underwriting & Review

Your application is reviewed to verify income, debts, and credit. We’ll ensure all debts you want consolidated are properly documented.

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Approval & Disbursement

Once approved, your new loan is disbursed. Funds can be used to pay off your existing debts directly, leaving you with one affordable monthly payment.

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Enjoy Financial Relief

With a single payment and reduced interest, you can focus on rebuilding your financial confidence and reaching long-term stability.

Debt Consolidation Loan Eligibility

Credit Score

  • Minimum 600 (higher scores may qualify for lower interest rates).

Employment

  • Open to all borrowers with verifiable employment or consistent self-employment income.

Loan-to-Value (LTV)

  • Typically up to 80% of your home’s value for cash-out refinance options.

Income

  • Must meet lender debt-to-income (DTI) requirements based on consolidated payment amount.

Property Type

  • Primary residence, second home, or investment property may qualify depending on the program.

Location

  • Available nationwide through the Rodney Rose Mortgage Team, with customized lender options by state.

Frequently Asked Questions

What is a debt consolidation loan?

It’s a loan used to combine multiple high-interest debts into a single, lower-interest payment, making it easier to manage and pay off.

Will this hurt my credit score?

Initially, your credit may dip slightly when opening a new loan, but as you pay off debts and reduce your credit utilization, your score often improves over time.

Can I consolidate credit cards and personal loans together?

Yes — you can combine various types of unsecured debts into one fixed-rate consolidation loan.

Do I need to own a home to qualify?

No. Homeownership offers additional options (like cash-out refinance), but unsecured personal consolidation loans are also available.

Can I pay off my loan early?

Absolutely! Most debt consolidation loans through the Rodney Rose Mortgage Team come with no prepayment penalties, allowing you to save on interest by paying early.

© Copyright 2025 by E Mortgage Capital. Inc.

Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.

A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.nmlsconsumeraccess.org

Loan Officer at E Mortgage Capital, Inc. 3750 S Susan Street Santa Ana, Ca. 92704. NMLS#1416824 NMLS#1396861 DRE#00853403. Equal Housing Opportunity Lender. https://www.nmlsconsumeraccess.org. For State Requirements, go to https://www.emortgagecapital.com/licensing.