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California homeowners · Personal guidance
Compare the full cost of debt consolidation.
Explore whether using home equity to consolidate debt makes sense for your situation. A smaller monthly payment does not necessarily mean a lower total cost.
No obligation to take a loan. Please use the application portal for sensitive information; do not send loan documents through social messages.
Make the numbers work for your situation.
1. Explore your options
Compare fees, interest, repayment period and total cost—not just the monthly payment.
2. Choose how to borrow
Understand the tradeoff: unsecured debt may become debt secured by your home.
3. Understand the full cost
Consider alternatives and avoid rebuilding the balances you consolidate.
Understand the tradeoffs.
Can I keep my first mortgage?
A second-lien HELOC or home equity loan may allow you to keep your existing first mortgage, subject to eligibility and available programs. A cash-out refinance replaces your existing first mortgage. Compare both options before deciding.
How does a HELOC differ from a home equity loan?
A HELOC generally permits borrowing against a credit line during a draw period. A home equity loan generally provides a lump sum. HELOC rates and payments may change; ask about draw and repayment terms and whether a fixed-rate option is available.
What should I compare?
Compare APR, fees, closing costs, loan terms, payment changes and total repayment cost. A longer repayment term may reduce a payment while increasing total interest.
Choose your next step.
A clearer path to your home financing goals
Your next chapter starts with one clear next step.
Buying a home, tapping into equity, or rethinking your mortgage? Explore the possibilities, compare the tradeoffs, and choose how you want to move forward.
Talk it through.
Bring your questions. Choose a time to discuss your goals, explore options, and understand what comes next.
Book a CallGive us a call.
Discuss your home financing questions with a mortgage professional and find the right next step for your situation.
Call (888) 505-0077Loan approval, rates, terms, and availability depend on eligibility, underwriting, and property requirements. Your home secures a mortgage or home equity loan; consider costs and repayment obligations. USAloans Inc. NMLS #2000187. View licensing disclosures.