Map the debt
List balances, rates, payments, and repayment timelines.
Cash-flow restructuringSTRATEGY / 04
Turn expensive debt into a smarter financial structure.
Explore whether available home equity can consolidate eligible debts while comparing monthly relief against total long-term borrowing cost.
04DebtConsolidation
How the strategy works
A deliberate sequence from scenario to execution.
Measure equity
Estimate available equity subject to property value and lending limits.
Compare structures
Model refinance, home-equity, and blended solutions with all costs included.
Protect the outcome
Review amortization, prepayment, budget changes, and the risk of rebuilding unsecured balances.
Example scenario
Illustrative—not a promise.
A homeowner compares several revolving debts and personal loans with a refinance that may reduce monthly obligations but extend repayment over a longer period.
Potential paths shown are educational only. A Pro Mortgage Group advisor will review your complete application to determine available financing options.
Financing options
Mortgage refinance
Home-equity loan
HELOC
Second mortgage
Blended or extended mortgage where available
Potential benefits
Potential monthly cash-flow improvement
Fewer payment dates
Possible reduction in weighted borrowing cost
Important considerations
Longer amortization can increase total interest
Closing and discharge costs matter
Debt moved to a mortgage becomes secured by the home
Qualification factors
Sufficient lendable equity
Income and debt-service qualification
Acceptable property
Clear debt payout documentation
Frequently asked questions
Questions worth asking before commitment.
01Does a lower payment always save money?+
No. A lower monthly payment can still result in more total interest if repayment is extended.
02Can every debt be included?+
Eligibility and payout requirements vary by lender and transaction. The complete debt picture must be reviewed.
Debt Consolidation
Financing is only useful when it serves the plan.
Build My Mortgage StrategyMortgage approval is subject to lender qualification, credit review, property eligibility, income verification and applicable lending guidelines.