Unlock the Equity in Your Property
Refinancing your mortgage can help you reduce your interest rate, access home equity, or consolidate high-interest debt. Whether you’re planning renovations or just want to improve cash flow, we’ll help you determine if refinancing is the right move.
Refinancing Benefits:
- Lower your monthly payments
- Pay off high-interest credit cards
- Free up funds for property improvements or investments
- Switch to a better rate or term
We’ll analyze your current mortgage and provide refinancing options that align with your goals.
Comparison Before vs After a Mortgage Refinance
(with debt consolidation)
| ITEM | BEFORE REFINANCING | AFTER REFINANCING |
|---|---|---|
| Mortgage Balance | $250,000 (at 3.5%) | $302,000 (at 4.5%) |
| Mortgage Payment | $1,245 / month | $1,695 / month |
| Credit Cards | $15,000 – $450 / month | $0 (paid off) |
| Car Loan | $12,000 – $400 / month | $0 (paid off) |
| Personal Loan | $10,000 – $350 / month | $0 (paid off) |
| Line of Credit | $8,500 – $250 / month | $0 (paid off) |
| Student Loan | $7,000 – $180 / month | $0 (paid off) |
| Total Monthly Payments | ≈ $2,875 / month | $1,695 / month |
| Monthly Savings | — | ≈ $1,180 / month |
| Savings Over 5 Years | — | ≈ $70,800 |
| Complexity | 6 creditors, scattered payments | 1 simplified payment |
✅ Benefits of Refinancing with Consolidation:
- A single, easier-to-manage monthly payment
- Significant monthly savings
- Reduced financial stress
- Better credit and budget management
