ONE PAYMENT.
ONE RATE.
ZERO CHAOS.
Roll high-interest credit cards, medical bills, and personal loans into your mortgage at today's rate. Most homeowners save $500–$1,200 a month.
Takes 2 minutes. No credit impact.
Real Borrower · This Month
Sarah's Debt Wipeout
New Single Payment
Saves
$715/mo
The Math Nobody Talks About
High-interest debt
is bleeding you
dry every month.
The average American household carries $7,000+ in credit card debt at rates north of 22%. Meanwhile, you're sitting on home equity earning nothing — silently. We fix that.
Minimum payments mostly go to interest. The balance barely moves.
Unsecured debt is priced for the lender's risk — not your reality.
Secured by your home equity. A fraction of the cost. Tax-deductible interest may apply.
The Process
Four steps from
chaos to clarity.
Straightforward. Transparent. Built for borrowers who want real answers, not sales pitches.
Tell Us The Picture
List every debt — cards, medical, auto, personal loans. We add it up so you don't have to.
We Run The Math
Side-by-side: current total payments vs. one consolidated mortgage payment. No surprises.
You See It Clearly
If it makes sense, we move. If not, we tell you. Either way, you walk away with clarity.
Close. Breathe.
Debts paid off at closing. One payment. Lower total. A real fresh start.
A note from Shant
Consolidating debt only works if you don't re-accumulate it. We'll walk through realistic strategies to keep the cards paid down after closing. This is about a fresh start — not a reset button.
Run The Numbers
See exactly what
you'd save.
Plug in your numbers. Get a real answer in seconds. No email required to use it.
Recognized by
SCOTSMAN GUIDE · 6 YRS
Meet Your Loan Officer
Shant Banosian
President, Rate · NMLS# 7206
For 20 years I've helped homeowners untangle complicated financial pictures. Debt consolidation isn't about shame — it's strategy. When you have equity sitting in your home and high-interest debt eating your paycheck, the math is usually obvious.
Over 40,000 closed loans. $10 billion funded. Rate's #1 Loan Officer 9 years running. But none of that matters unless I get YOUR numbers right. That's the only part I care about.
$10B+
Funded
40K+
Loans Closed
#1
LO Nationwide
No obligation. Real conversation. Real numbers.
Watch This First
How cash-out refinance
actually works.
Debt Consolidation, Explained in 4 Minutes
Shant Banosian · Rate
Real Borrowers
The proof
is in the
payoff.
Below: three borrowers who came in with debt stress and walked out with one payment they could actually afford.
"I had $43K spread across four credit cards. Shant rolled it all into my mortgage. My total monthly went from $3,890 to $2,560. I'm finally not drowning."
Marcus T.
Newton, MA · Saved $1,330/mo
"We had medical debt from my husband's surgery plus two car loans. Shant's team didn't lecture us — they just showed us a path. One payment. Lower rate. We can breathe again."
Jennifer R.
Framingham, MA · Saved $890/mo
"Honestly, I was embarrassed to call. Shant's team treated me like a person, not a credit score. They walked me through whether it actually made sense — and it did. Best decision I've made financially."
David K.
Brookline, MA · Saved $620/mo
Why Shant
Credentials that
back the numbers.
#1
LO Nationwide
6 Years Running
$10B+
In Funded
Loans
40K+
Families
Helped
20 YRS
Industry
Experience
Honest Answers
Real questions.
Real answers.
Does a cash-out refinance always make sense?
No — and we'll tell you directly if it doesn't. If your current mortgage rate is significantly lower than today's rates, it may not be worth refinancing the entire balance. We look at your total interest cost across all debts before and after, plus closing costs, and give you a straight answer.
Will checking my options hurt my credit?
No. The initial pre-qualification uses a soft credit pull that does not impact your score. A hard inquiry only happens later if you decide to move forward with a formal loan application.
How much equity do I need to consolidate debt?
Most lenders require you to keep at least 20% equity in your home after the refinance — meaning you can typically cash out up to 80% of your home's value, minus what you still owe. We'll calculate the exact number based on your current value and balance.
What if my credit isn't great right now?
Carrying high credit card balances often drags credit scores down — and consolidating that debt usually causes your score to recover quickly. We work with borrowers across a wide range of credit profiles. Don't assume you don't qualify until we look at the full picture.
What's the catch?
The honest tradeoff: you're moving unsecured debt onto your home, and stretching the payoff timeline. If you re-accumulate credit card debt after consolidating, you're worse off than before. That's why we talk through realistic strategy — not just the math. The catch is discipline.
How long does the whole process take?
Pre-qualification: about 2 minutes. A full refinance typically closes in 30–45 days from formal application. Your debts get paid off directly at closing — you don't have to chase that part.
Your Move
Two minutes from
now, you'll know
exactly what you'd save.
No credit impact. No obligation. Just a real number — based on your real debts, your real equity, and today's real rates.
Takes 2 minutes · No credit impact · No commitment
