Clean Slate Program
Debt Consolidation Calculator
See how consolidating your debts into your mortgage can lower your monthly payments and give you a fresh financial start. List your current debts below to calculate your savings.
Lower Monthly Payments
Combine high-interest debts into one lower payment
Eliminate Credit Card Debt
Pay off high-interest cards with a lower mortgage rate
Improve Cash Flow
Free up money each month for savings or investments
Clean Slate Program
Start fresh with a single, manageable payment
Current Total Monthly Payments
$3,770.00
Mortgage + All Debts
Enter your estimated new mortgage payment
Total Debt Eliminated:
$92,500
How the Clean Slate Program Works
List Your Debts
Add all credit cards, auto loans, personal loans, and other debts you want to consolidate.
Cash-Out Refinance
We refinance your mortgage and include enough cash to pay off all your debts.
Pay Off Debts
At closing, we pay off all your listed debts directly. You walk away debt-free.
One Simple Payment
Instead of multiple payments, you have one mortgage payment at a lower rate.
Important Considerations
- • Debt consolidation converts unsecured debt into secured debt backed by your home
- • While monthly payments may be lower, you may pay more interest over the life of the loan
- • This calculator provides estimates only - actual terms depend on your credit, equity, and property
- • Consult with one of our loan officers to determine if this strategy is right for your situation
Ready to Start Fresh?
Our loan officers can help you determine if debt consolidation is right for you.