ONE PAYMENT.
ONE LOWER RATE.
ONE FRESH START.
Tap into your home's equity to consolidate high-interest debt into a single, simpler payment — often hundreds less per month. See what your numbers could look like.
Takes 2 minutes. No credit impact. No obligation.
25 years · 1,000+ Georgia families served
Real Example
The Math Behind The Move
New Single Payment
$2,180
Saved/Month
$705
*Illustrative example. Your numbers depend on equity, credit, and current debts.
25
Years Experience
$2.4B
Funded For Families
$687
Avg. Monthly Savings
21
Avg. Days to Close
The Reality
HIGH-INTEREST DEBT IS
QUIETLY WRECKING
YOUR BUDGET.
Credit cards at 22-29%. Personal loans at 14%. Medical bills piling up. Meanwhile, mortgage rates sit dramatically lower — and your home has likely gained significant equity over the last few years.
A cash-out refinance lets you swap that scattered, expensive debt for one predictable payment at a fraction of the rate. No judgment about how you got here. Just math that works in your favor.
Typical Rates Today
22-29%
Credit Cards
Typical Rates Today
12-18%
Personal Loans
Mortgage Rates
FAR LOWER
— and secured by equity you've already built.
The Process
FROM SCATTERED DEBT
TO ONE SIMPLE PAYMENT.
FOUR STEPS.
01
Show Me The Numbers
List your current debts and home details. I'll calculate your equity position and what we can work with.
02
Build Your Plan
We map out which debts to consolidate, what your new payment looks like, and total interest saved over the life of the loan.
03
Lock & Process
We lock your rate, order the appraisal, and my team handles the underwriting. You get clear updates every step.
04
Debts Paid. Done.
At closing, we wire funds directly to your creditors. Your old debts close out. You walk away with one payment and a fresh start.
A note on the fresh start: Consolidation works best when paired with a plan to keep credit lines responsibly managed afterward. We'll talk through this together — no lectures, just real strategy.
Run Your Numbers
SEE YOUR REAL SAVINGS.
No login. No credit pull. Just plug in your numbers and see what consolidating could mean for your monthly budget.
Meet Your Loan Consultant
ANGELINE KELLY.
25 YEARS OF
STRAIGHT ANSWERS.
Area Sales Manager · Union Home Mortgage · NMLS# 271778
Originally from Southern Alabama and firmly planted in Georgia, I've spent more than two decades helping families get out from under high-interest debt and into something that actually makes sense.
When I'm not running numbers for clients, you'll find me with my family on the water, at a sporting event, or holding my own on the tennis courts. I bring that same energy to every loan — focused, honest, and committed to getting you to the finish line.
Top Producer
Licensed GA
5-Star Reviews
Direct line to me, not a call center. No pressure.
Watch The Walkthrough
HOW CASH-OUT REFI
ACTUALLY WORKS.
Cash-Out Refinance Explained in Under 3 Minutes
Angeline Kelly · Union Home Mortgage
Real Georgia Homeowners
THEY WERE STUCK.
NOW THEY'RE NOT.
Based on 200+ verified client reviews
$842/MO SAVED
"We had three credit cards, a medical bill, and our mortgage. Angeline rolled it all into one payment and showed us the math without any judgment. We're saving more than I thought possible — and finally sleeping at night."
Jennifer & Mark T.
Suwanee, GA · Closed 2024
$1,205/MO SAVED
"After my divorce I was juggling debt across five different accounts. Angeline pulled it all together and walked me through every line. Closed in 23 days. The relief is real — and so is that monthly difference."
Sarah R.
Cumming, GA · Closed 2024
$673/MO SAVED
"I was paying minimums on $34K in cards and barely moving the needle. Angeline showed me the equity I'd been sitting on for years. We consolidated everything and her team handled the wires to my creditors directly. Game changer."
David K.
Alpharetta, GA · Closed 2023
Why Borrowers Trust Us
25 YEARS. ONE NAME.
FULLY LICENSED.
Union Home Mortgage is a nationally recognized lender with the resources of a big bank and the personal touch of a local relationship. Angeline brings that combination directly to Georgia families.
NMLS Licensed
#271778
Equal Housing
Fair Lending
1,000+ Families
Closed Loans
5-Star Rated
200+ Reviews
Straight Answers
QUESTIONS WORTH
ASKING.
How much equity do I need to consolidate my debts?
Most lenders want you to keep at least 20% equity in your home after the cash-out, meaning you can typically borrow up to 80% of your home's appraised value. If your home is worth $400,000 and you owe $200,000 on your mortgage, you could potentially access up to $120,000 to pay off other debts. Every situation is different — let's run your specific numbers.
Will my new mortgage payment really be less than what I'm paying now?
Your new mortgage payment will likely be higher than your current mortgage alone — but the comparison that matters is your TOTAL monthly outflow before vs. after. Most clients see hundreds in monthly savings when you add up the credit cards, personal loans, and mortgage they were paying separately. We'll show you that side-by-side calculation before you decide anything.
Will this hurt my credit score?
The pre-qualification process on this page does NOT impact your credit. A formal application later involves a hard pull, but most clients actually see their scores IMPROVE within 60-90 days of consolidating because their credit utilization drops dramatically when those revolving balances get paid off.
What if I've had credit issues in the past?
Cash-out refinance programs accommodate a wide range of credit profiles. The equity in your home is what's securing the loan, which gives lenders more flexibility than unsecured debt. I've helped clients with credit scores in the low 600s and clients in the 800s — let's find out what programs you qualify for. No judgment, just options.
How long does the whole process take?
From pre-qualification to closing, our average is 21-30 days. Pre-qualification takes about 2 minutes. Once you're under contract, the appraisal takes a week or so, underwriting another 7-10 days, and then closing. We send wires directly to your creditors at closing, so debts are paid off the day you sign.
What if I run my credit cards back up after consolidating?
Honest answer: that's the real risk. Consolidation only works long-term if it's paired with a plan to keep balances responsibly managed afterward. Some clients close certain accounts. Others keep them open with a $0 balance for credit health. We'll talk through what makes sense for your situation — no pressure, just real strategy from someone who's seen it work and seen it not work.
Your Next Move
STOP JUGGLING DEBT.
START CONSOLIDATING IT.
Two minutes to see your real numbers. No credit impact. No obligation. Just clarity on what your monthly payment could actually look like.
Takes 2 minutes. No credit impact. Real numbers.
