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Debt Consolidation Calculator

Debt Consolidation Calculator


Debt Consolidation.

Thinking about refinancing your home to consolidate debt such as credit cards, auto loans, and other loans? The debt consolidation calculator below can help you decide if consolidation is right for you.



Default amounts are hypothetical and may not apply to your individual situation. This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates.


Total Debt to be Refinanced


If using the term of the new loan, the monthly payment decreased by:


If keeping the original pay off date, the monthly payment decreased by:


If keeping the original payment, all debt will be paid off:

0 months early

Frequently Asked Questions

What if I have a second mortgage on my home? Can I still refinance?

Typically, any second mortgages are paid off through the refinance. Both loans are consolidated into one new first mortgage and you will only have one payment each month. If you prefer to keep your second mortgage intact, we may be able to ask your second mortgage lender to remain in the second position and allow us to refinance the first loan.

What is cash-out refinance?

A cash-out refinance lets you access your home equity by replacing your existing mortgage with a new one that has a higher loan amount than what you currently owe. If you have enough equity in your home, cash-out refinancing can provide a low-cost way of meeting your objectives — home improvement projects, paying off high-interest credit cards, or other financial needs.

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