California home loans

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Reduce Debts and Lower Your Monthly Payments

Debt Consolidation

Debt Consolidation loans have been a means by which hundreds of thousands of homeowners have been able to use their home values to save money.   By taking out a debt consolidation loan (2nd mortgage) a borrower is able to combine the balances of current bills and debts into one loan... and one payment.   Lenders may offer borrowers with good to excellent credit the ability to borrow up to 125% of the value of their current property. 

Debt Consolidation Calculator


Debt Consolidation Info


Example of Benefits

California debt consolidation

California debt consolidation




The money from a debt consolidation loan can be used for any purpose- including but not limited to


Paying off High Interest Credit Cards


Home Improvements






Luxury Items


And anything else!


Generally speaking, with a debt consolidation loan monthly payments are reduced and cash flow is increased.  Further, since the interest paid on a debt consolidation loan is that of a home loan, the interest may be tax deductible.*


Bills Balance Payments

Debt Consolidation Loan

Credit Card #1 $5850. $135.00 -0-
Credit Card #2 $5,300. $157.50 -0-
Credit Card #3 $5,060. $249.00 -0-
Credit Card #4 $5,200. $262.50 -0-
Credit Card #5 $2,600. $87.00 -0-
Credit Union $1,790. $83.00 -0-
Car Payment $10,090. $262.50 -0-





Based on a $43,000 loan over 25 years at 13% APR 15.934


On this example, there's a savings of $755.30 per month!!!


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* Consult your tax advisor for details.