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Debt Consolidation Loans

Simplify your finances with Lower’s debt consolidation loan options.

Turn your home equity into a powerful tool for managing debt. Lower offers flexible options—HELOCs, Cash-Out Refinances, and Home Equity Loans—to help you pay off high-interest debt and save more each month.

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Debt Consolidation Loan Benefits

Secure a competitive, fixed-rate conventional loan.

Consolidating your debt with Lower is a smart way to take control of your finances and save on interest payments. Here’s why homeowners choose us to consolidate their debt.

Lower interest rates than credit cards or personal loans
Combine multiple debts into one easy payment
Free up more money each month
Dedicated support at every step
Flexible loan options

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Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
Shane
LendingTree
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow
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HELOC: Best for flexible repayment and ongoing debt management

A HELOC lets you access funds as needed to pay off high-interest debt. With a revolving credit line, you can manage ongoing payments while benefiting from lower interest rates.

Apply for a HELOC

Cash-Out Refinance: Best for consolidating large amounts of debt at once.

Replace your existing mortgage with a new one and use the extra cash to pay off your debts. This option simplifies your finances with one loan and can help you save on interest.

Apply for a cash-out refinance
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Home Equity Loan: Best for fixed payments and clear payoff timelines.

A home equity loan provides a lump sum at a fixed rate, making it ideal for consolidating debts with predictable, consistent monthly payments—without changing you current mortgage terms.

Apply for a home equity loan
Frequently Asked Questions

You’ve got debt consolidation loan questions. We’ve got answers.

Can I consolidate all types of debt with a home equity loan?

Yes, you can consolidate various types of debt, including credit cards, medical bills, and personal loans, as long as you have enough home equity to cover the amount you wish to consolidate.

What are the benefits of consolidating debt with home equity?

Consolidating debt with home equity can lower your interest rates, simplify payments into one monthly bill, and free up cash flow by reducing your overall payment amount.

How can I use home equity to consolidate debt?

You can use home equity through a HELOC, Cash-Out Refinance, or Home Equity Loan to pay off high-interest debts like credit cards or personal loans. These options allow you to combine debts into one lower-interest payment.

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