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They’re a popular financing option for homeowners who need additional cash.

These loans usually offer a lower interest rate than credit cards.

Then see what the monthly payment would be with a consolidated loan.

Try adjusting the terms, loan types or rate until a consolidation plan fits your needs - and most importantly your budget!

In addition, you may end up paying less each month than you are currently.

This helps many people manage their finances more effectively.

You can use our Budget Planner to work out how much you can realistically afford to repay each month.

Plus, the interest you pay may be tax deductible (consult a tax advisor).

The time to buy is now, but you can still reduce your debt if you don’t currently own a home.

This can lead to lower interest rates and lower monthly payments. A lifestyle change may be in order, but don’t sweat it. We’ve laid out several important steps for eliminating debt. With the extra money you’ll have, feel free to pay more against the principal (and pay off debts earlier), or use the extra cash wisely in other areas where needed. The more you wait, the more cash you stand to lose. A Cash-Out Refinance: A home equity loan, also known as a second mortgage, allows homeowners to borrow money from their home’s available equity.

A debt consolidation loan can cut those numerous high-interest debts down to size into one low-interest loan. Home equity loans are commonly used for debt consolidation.