Outsmart your debt

The cash you need is right at home

See how consolidating debt with your home's equity could help lower your rate or monthly payment.
An interior view of a home with a window and staircase displaying holiday garland and greeting cards.An interior view of a home with a window and staircase displaying holiday garland and greeting cards.

See what your home can do

What would you do with an extra $500 a month? 1 Estimate your home's equity to see how much cash you could use to consolidate debt and lower your monthly payments.

Legal disclosure

1 On average, Rocket Mortgage clients save $535 a month when consolidating debt. Based on internal Rocket Mortgage data of refinance and Home Equity Loan transactions between 01/01/25 - 12/01/25, excluding equity extraction transactions.

Ready for a brighter financial future?

Consolidating credit card debt with cash from your equity can help you get ahead.

Pay less interest

Swap higher credit card rates with loan rates that are often much lower.

Streamline payments

Turn multiple bills into one easy to manage monthly payment.

Improve your credit

Paying off card balances can reduce your utilization, improving your score.

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Solutions made for you

We'll help guide you to the option you feel great about.

Best for

How it works

Home Equity Loan 2

Home Equity Loan 2
Cash-out refinance 3

Home Equity Loan 2

Best for

Not affecting your current mortgage rate

How it works

A second loan alongside your current mortgage payment

Learn more

Best for

Getting into a better rate

How it works

Replaces your existing mortgage with a new mortgage

Learn more

Cash-out refinance 3

Home Equity Loan 2
Cash-out refinance 3

Cash-out refinance 3

Best for

Not affecting your current mortgage rate

How it works

A second loan alongside your current mortgage payment

Learn more

Best for

Getting into a better rate

How it works

Replaces your existing mortgage with a new mortgage

Learn more

Home Equity Loan 2

Cash-out refinance 3

Best for

Not affecting your current mortgage rate

Getting into a better rate

How it works

A second loan alongside your current mortgage payment

Replaces your existing mortgage with a new mortgage

Learn more
Learn more

Legal disclosure

2 Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 11/19/25 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00 (minimum loan amount for properties located in Michigan is $10,000.00). Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Ameriprise products. Guidelines may vary for self-employed individuals. Some mortgages may be considered “higher priced” based on the APOR spread test. Higher priced loans are not allowed on properties located in New York. Additional restrictions apply. This is not a commitment to lend.

Legal disclosure

3 Refinancing may increase finance charges over the life of the loan

Get cash in as little as 20 days

We've simplified our process so you can access your cash quickly.

1

Compare side by side

Check your available equity and review your best loan options.

2

Choose the one for you

Our expert team can guide you to the right solution for your goals.

3

Close from anywhere

Get funded fast and consolidate debt and credit card balances.

4

Breathe easier

You've freed up your finances and the future's looking bright.

Real talk about consolidating debt

Let's remove the guesswork and and break down some of the common questions about debt consolidation

Consolidating debt could turn high-interest debt into a lower-rate, single payment. This can often help you save money and build stability faster.

We'll guide you through the best option based on your specific needs.

Home Equity Loans from Rocket Mortgage and Personal Loans from Rocket Loans let you keep your current mortgage rate and are a separate loan.

Cash-out refinances replace your existing mortgage with a new one, so that's better for if your loan rate is higher than current rates.

Paying off high balance debts can help credit profiles improve. Focus on paying off the highest balances and highest interest debts first and free yourself.

Sometimes! We'll handle the process and let you know if an appraisal is necessary so there's no surprises.

You can borrow up to 80% of your home's value, and even more if you're a Veteran. You'll typically need at least 20% equity leftover after tapping into equity.

We can't pay creditors directly. Depending on your situation, we'll either issue checks made out to your creditors and mail them to you for delivery, or we'll send your cash funds to you by wire or check so you can choose which debts to pay on your own. We'll talk through which option is best for you, based on factors like your debt-to-income ratio and loan details.

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Let's talk about your options

Ask our AI-assisted chat your questions about consolidating credit card debt with home equity or talk to a Rocket Mortgage expert. We'll guide you to a plan that fits, always on your schedule.

Rocket Mortgage users save about $500 a month when consolidating debt

I was in a mountain of credit card debt but had not considered refinancing. I was able to pay off that debt with extra to do some things around the house. Now, my credit score should get back into the 800s.

- E. G.

All the team members that reached out were with the best interest at hand to help me accomplish my goal which was to get out of credit card debt that I had been carrying for years.

- JPNJ

Analyzing and providing what options for refinancing debt were available and working with the team to make the best choice was key in selecting the approach to managing debt.

- Ray Walters

TrustPilot

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Consider a personal loan

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It's time for a fresh start

Ready to take a big step toward financial freedom? We're here to help.