Debt consolidation

Compare a different repayment plan for your balances

Compare payments, fees and remaining debt at the same future date. Your first mortgage may keep its own payment, and the new borrowing is secured by your home.

See how much

No SSN and no hard credit pull to compare initial options. Credit scores 640+ considered. Home loans in GA, AL, TN, FL, NC and SC.

One Plan

Several balances, one home-secured plan

Consolidating unsecured balances into a loan secured by your home restructures the debt; it does not erase it. The comparison worth making is total cost over the full repayment period, fees included, against what the cards cost today.

Your Estimate

What your equity may support

Home value, roughly ($) Mortgage balance, roughly ($)

Headroom at common 80 to 90 percent combined loan-to-value caps. A specialist confirms the real number by text.

Use the same payoff horizon

Compare interest, fees and remaining principal on the same date. An interest-only payment does not reduce the borrowed balance.

Make room for alternatives

Compare paying existing debt directly, a personal loan or a credit-counseling plan. Consolidation does not fix repeated borrowing, and a lower payment does not establish savings.

Open the planning tool · Read the full guide · Español

Get Your Numbers Confirmed

A specialist texts you

Send the basics and a licensed specialist confirms the real figure, usually within one business day.

Property state

How is it used?

Estimated home value ($)

Mortgage balance ($, enter 0 if paid off)

How much do you want to borrow? ($50,000 minimum)

Borrowing purpose

Estimated credit score (640 minimum) (best guess is fine)

Timing

Name

Mobile number

We treat every inquiry in confidence. No hard credit pull at this stage. By submitting, you agree Stonehaven may contact you about your inquiry by text or email. Consent is not a condition of service.

Thank you, received.

A licensed specialist will text you, usually within one business day.

Questions

Asked before starting

Will one payment be lower than my card payments combined?

It depends on the offer and your current balances. A lower monthly payment stretched over more years can cost more in total. A specialist shows both the payment and the total cost so the decision uses the whole picture.

What does 'secured by the home' mean for me?

The HELOC is a lien on your home. If repayment fails, the home is at risk in a way unsecured card debt never put it. That trade belongs at the front of the decision, not the fine print.

Does consolidating hurt or help credit?

Paying revolving balances may change utilization, and individual results vary. No outcome is promised; checking initial options involves no hard credit pull.