Start Your Debt Consolidation Refinance Plan Today!
Debt Consolidation Refinance Plan
Help end the money stress, a loan may not solve all your problems. Relieve debt pressure. Find breathing room again.
Living with financial stress can strain more than your budget, it can affect your peace of mind, your sleep, and even your relationships. We help homeowners take back control and breathe easier again.
Millions are struggling with cash flow from rising credit card balances, new personal loans, and auto loans. A debt consolidation refinance can provide homeowners fast financial relief and more room in your monthly budget.
- Roll credit cards, personal loans, and auto loans into one simple payment
- Cut hundreds per month from your total bills (based on your situation)
- Access cash from your home’s equity
- Get matched to the best mortgage program by a licensed senior loan advisor
Find Out How Much And If You Could Save Today
Try our Debt Consolidation Calculator. No impact on your credit.
Basic Eligibility Guidelines
(Used to determine available options)
To explore this program, most homeowners will need:
- Credit score: Typically 600+ FICO
- Home equity: At least 20–25% equity (varies by program and occupancy)
- Property type: Primary residences and eligible investment properties
- Current mortgage: Must be in good standing or close to it
Final eligibility, terms, and payments are determined after full review and underwriting.
Try Our Debt Consolidation Refinance Calculator
1. Start with a quick request
Answer a few questions about your home, mortgage, and monthly debts.
Answer a few questions about your home, mortgage, and monthly debts.
- Takes under 3 minutes
- No hard credit pull to get started
2. We securely review your debts and paint a full picture
Using a soft credit-based review, we help identify outstanding credit cards, personal loans, auto loans, and other eligible debts without impacting your credit score. This works similar to doing your own credit check.
3. A licensed senior loan advisor evaluates your options and what the best debt consolidation plan is for you
4. You receive a clear, personalized consolidation plan
Your custom plan will show:
- Estimated total monthly savings
- Debts eligible to be paid off through the refinance
- How your overall monthly cash flow could improve
- A loan estimate with today’s refinance interest rate
What You Could Save
Example shown for illustration only. Actual results vary by borrower, property, equity, and program eligibility.
Many homeowners reduce total monthly obligations by hundreds, sometimes more.
Before: Multiple Monthly Obligations
4–8 separate payments each month
- Credit cards: $1,500
- Personal loans: $700
- Auto loans: $800 + $500
- Existing housing payment: $2,000
Total Monthly Outflow:
~$6,000 / month
After: Simplified Payment Plan
1 monthly mortgage payment: ~$2,750 / month
- One due date
- Fewer bills to manage
- More predictable cash flow
- Less monthly pressure
Average Monthly Savings
~$3,250
See Your Possible Savings
Takes under 60 seconds to Schedule a Time To Meet With A Senior Loan Advisor. No hard credit pull needed.
Why So Many Choose This Strategy
The real issue isn’t just debt, it’s minimum monthly payments that barely reduce your total debt balances and often mostly go towards interest, not the principal.
Common Credit Card Interest Rates/APR: 18–28%
Minimum payments often cover mostly interest
Common Personal Loan Interest Rates/APR: 8–18%
Often used for prior debt consolidations or emergencies
Common Auto Loan Interest Rates/APR: 5–12%
Frequently replaced before the old balance is fully gone
Common Mortgage Interest Rates/APR: 5–10%
Most commonly used as a 30 year loan and as a way to build equity over time
By restructuring multiple high-interest payments into one, predictable monthly obligation through a mortgage, many homeowners improve cash flow and reduce monthly pressure on their wallets.
With improved cash flow, many homeowners are better positioned to plan ahead whether that’s preparing for a future vehicle purchase, setting aside funds for home repairs, or building a buffer for unexpected expenses.
Who This Debt Consolidation Plan Helps Most
- Homeowners feeling “stuck” with rising monthly bills
- People juggling multiple high-interest debts
- Families looking to create breathing room in the budget
- Borrowers worried about credit score or recent late payments on credit cards
- Anyone needing cash for repairs, emergencies, or paying off debt
Get a Free, Personalized Savings Estimate
No hard credit pull required to see your options.
““My refi was easy and seamless. Everything was done around my schedule. Andy went above and beyond explaining my options and delivering several quotes. There were no surprises, and the bottom-line payment was exactly what we discussed. Very happy with Andy and his team. I will use Newfi in the future for sure.””
Vincent B.Real Newfi Customer
Frequently Asked Questions
Will my mortgage payment increase?
Depending on your situation and current mortgage, your monthly mortgage payment may increase, but your total monthly debt payments typically drop by hundreds or thousands of dollars.
Is this only for people with perfect credit?
No, We have options for homeowners starting around a 600 credit score, but it depends on your situation. A higher credit score can qualify you for a more competitive interest rate or a higher cash out loan amount.
What if mortgage rates drop later?
You can always refinance again. Many homeowners do when rates improve.
Connect With Our Team
This is only an estimate and not a commitment to lend. Rate displayed is not locked and is subject to change. On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved, Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions, & restrictions apply. Call Newfi for details at 888-316=33934. Nexera Holding, LLC dba Newfi Lending, 2100 Powell Street Suite 730, Emeryville, CA 94608 | NMLS 1231327 | Copyright 2025 | All Rights Reserved | Equal Housing Lender | Licensed by the Department of financial protection and innovation under the California Finance Lenders Law, License No. 60DBO43045. https://www.nmlsconsumeraccess.org. Licensed by the Department of financial protection and innovation under the California Residential Mortgage Licensing Act under license number 41DBO-71410 | Information presented is intended for mortgage professionals only. Visit www.newfi.com for full licensing information.
