Tired of juggling high-interest payments?
If you own your home, consolidating what you owe into one payment may be an option. Answer 9 quick questions and see a rough estimate of what it could look like.
No credit check · No obligation · Takes about two minutes
What's your home worth today?
Your best estimate is fine.
How much do you still owe on it?
Your current mortgage balance. Slide to $ 0 if it's paid off.
How much non-mortgage debt are you carrying?
Credit cards, personal loans, car loans, medical bills.
What do those payments add up to each month?
Just the minimums on the debts above — not your mortgage.
What's your mortgage payment now?
Principal and interest only — not taxes or insurance. Slide to $ 0 if your home is paid off.
What rate is your mortgage at?
This matters — a cash-out replaces the mortgage you have.
What's the highest rate you're paying?
On any one of those debts. A ballpark is fine.
How's your credit looking?
Your best guess is fine.
If you did this, when would you want it done?
Where should we send your estimate?
We'll show it on the next screen and email you a copy to keep.
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Rates as of {{ ratesAsOf }} and subject to change. Estimate based on information you entered. Not an offer, quote, or commitment to lend.
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Want this run on your real balances?
How we got there
All figures are illustrative estimates based on what you told us.
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Types of programs worth asking about
General program types only. We haven't checked what you'd qualify for.
Worth knowing before you decide
Consolidating moves unsecured debt onto your home. If you can't make the payments, your home is at risk in a way a credit card never was.
A lower monthly payment often means paying over a longer period, which can increase the total interest you pay over the life of the loan.
A cash-out refinance replaces your existing mortgage. If your current rate is well below today's, giving it up may cost you more than the consolidation saves — ask about a fixed home equity loan that leaves your first mortgage in place.
Your home is paid off, so nothing is being replaced — but a new loan puts a lien back on a house that currently has none. That is the trade worth weighing most carefully here.
Let's walk through your actual numbers
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Not an offer to lend. Subject to credit approval and additional terms apply. {{ footerCompany }}
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Rate and APR shown are as of {{ ratesAsOf }}, are subject to change without notice, and assume a cash-out refinance of an owner-occupied single-family primary residence with a combined loan-to-value of 80% or less, a fixed rate for the full term, and the credit range you selected. The rate is fixed and will not increase over the term. Payment estimates are calculated from the loan amount, rate, and term shown and represent principal and interest only. All figures are educational estimates generated from information you entered and are not an offer, a quote, a rate lock, a preapproval, or a commitment to lend. Your actual rate, payment, term, closing costs, and eligibility will differ and depend on a full application, verified income and assets, property value determined by appraisal, occupancy, lien position, combined loan-to-value, credit report review, and program guidelines that change without notice. This tool does not check your credit, does not verify your home's value, and does not confirm what programs are available to you.
This tool does not quote a rate, annual percentage rate, payment, term, or loan amount, and nothing shown here is an offer, a quote, a rate lock, a preapproval, or a commitment to lend. All figures reflect information you entered. We have not checked your credit, verified your home's value, or determined what you qualify for. Any rate, APR, payment, and term would be disclosed to you in writing and would depend on a full application, verified income and assets, property value determined by appraisal, occupancy, lien position, combined loan-to-value, credit report review, and program guidelines that change without notice.
Consolidating unsecured debt into a loan secured by your home converts that debt into debt secured by your property, which may be subject to foreclosure if you do not make payments. Extending a repayment period may lower a monthly payment while increasing the total amount of interest paid over the life of the loan. Estimated payment amounts shown exclude property taxes, homeowners insurance, mortgage insurance where applicable, and any closing costs or fees, so your total monthly obligation will be higher than any figure shown here.
DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. USA Mortgage is not a credit repair organization, credit counseling agency, debt settlement company, financial planner, or tax advisor, and does not provide credit, debt, tax, or investment advice. Interest on debt secured by your home is not always tax deductible; consult a tax professional about your situation. For help with debt, consider speaking with a HUD-approved housing counselor or a nonprofit credit counselor.