Keep a low first mortgage
When it makes sense, we can compare second-mortgage and HELOC options instead of automatically replacing your first loan.
Your quote is ready to compare
See what your monthly savings could look like
Pick the option from your Quick Quote, enter the debts you want to consolidate, and compare the monthly payment.
1. Which quote option do you want to compare?
You can switch between options without re-entering your debts.
Use your debt total
HELOC at 6.875% · interest-only estimate
2Your current debts
3Home & mortgage information
Helpful for the equity snapshot. Current mortgage payment is only needed when comparing the Cash-Out Refi.
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For the Cash-Out Refi comparison, enter your current mortgage balance and monthly mortgage payment so the savings estimate compares your full current housing + debt payment to the new mortgage payment.
Estimated equity—
Current LTV—
Estimated CLTV after paying entered debts—
Planning estimates only. Actual usable equity and available terms depend on program guidelines, property value, credit and other factors.
Your Potential Results
Illustrative estimate only — not a quote or Loan Estimate.Current monthly debt payments$0
Estimated HELOC payment$0
Potential monthly cash-flow improvement$0
Want me to confirm these numbers?
I can review the actual loan options and tell you whether the savings shown here make sense for your situation.
No long form to fill out. Calling or texting is the fastest way to review the actual numbers.
Compare the full picture
Payment matters, but so do rate, term, closing costs and how long you expect to keep the loan.
Use real numbers
Your current mortgage and debt statements give us the actual balances, payments and rates for a more accurate comparison.
No pressure
If the math does not make sense for you, I’ll tell you. The goal is to help you understand the options.
Less juggling. More clarity.
See the whole monthly picture.
Credit cardsHigh-interest monthly payments
Personal loans / auto debtSeparate payments and payoff dates
Current mortgageA payment and rate you may want to keep
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One clearer comparisonSee the payment, rate, term and overall cost side by side.
A simple, helpful process
You don’t need to know which loan you need. That’s my job.
1
Start with what you know
Use the calculator or securely send your current mortgage and debt statements. You do not need to have every number figured out first.
2
I compare the real options
I’ll look at a HELOC, fixed second, refinance — and even a personal loan when it belongs in the comparison.
3
You get clear numbers
Payment, rate, term, cost and the tradeoffs in plain English — no pressure.
Want help making sense of the numbers?
If you would rather talk it through, schedule a quick call and I’ll help you compare the options and figure out what makes the most sense for your goals.
