Pay off debt

Trade your credit card rates for one fixed payment

Use your home equity to clear cards, personal loans, auto and student loans. Check your number in 60 seconds.

100% free & no obligation
Soft pull. Won't hurt your score
Results in under 60 seconds

What is a debt consolidation HELOC?

It's a home equity line used to pay off higher-rate debt. Your credit cards and loans get paid off, and you're left with one fixed payment instead of several.

Because home equity lines are secured by your house, the rate is usually far lower than a credit card's. You keep your first mortgage as it is.

Why consolidate debt with your home equity

We pay them off for you

Pick the cards and loans. The payoff goes straight to each lender.

Qualify for more

Debts you pay off come out of the math, which can raise your line.

One fixed rate

One payment, one date, paid off on schedule.

No balance transfer fees

After the one-time fee, moving more balances later is free.

Credit cards, personal, auto, student: Cards & loans; Credit cards, personal, auto, student
10 to 30 years: Fixed rate; 10 to 30 years
Out of pocket at closing: $0; Out of pocket at closing
Of your home's value: Up to 89%; Of your home's value

How much debt can you pay off?

Up to 89% of your home's value, minus your mortgage. Pick which cards and loans to pay off and we send the money straight to each lender.

Example: $40,000 across four credit cards becomes one fixed payment over the term you choose. Clearing those payments can also raise how much you qualify for.

How it works

1
Check your number
A few questions. No credit pull.
2
Pick your amount
Slide to the cash you want and see your payment.
3
Apply online
Sign online and get your money.

See my potential savings

Who qualifies

Credit score of 620 or higher
Home in your name or a revocable family trust
Owned for more than 90 days
No bankruptcy in the last 4 years
Mortgage payments current, no 30-day late in the last 2 years
Single-family home, townhome, condo or planned community
No charge-offs in the last 12 months

Debt consolidation HELOC questions

What debts can I pay off?

Credit cards, personal loans, student loans and auto loans.

Do you pay my creditors directly?

Yes. Choose the accounts and the payoff goes straight to them.

Can paying off debt help me qualify?

Yes. Paid-off payments come out of your debt-to-income, so you may qualify for a bigger line.

Will checking hurt my credit?

No. Seeing your numbers takes no credit pull. A soft pull comes only when you apply.

What does it cost to close?

Nothing out of pocket. A one-time fee of 1.9% to 4.9% comes out of the line, title and signing are covered, and recording costs go into a 12-month 0% plan. No annual fee.