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.
Solutions made for you
We'll help guide you to the option you feel great about.
Best for
How it works
Loan details
Home Equity Loan 2
Best for
Not effecting your current mortgage rate
How it works
A second loan alongside your current mortgage payment
Best for
Getting into a better rate
How it works
Replaces your existing mortgage with a new mortgage
Cash-out refinance 3
Best for
Not effecting your current mortgage rate
How it works
A second loan alongside your current mortgage payment
Best for
Getting into a better rate
How it works
Replaces your existing mortgage with a new mortgage
Get cash in as little as 14 days
We've simplified our process so you can access your cash quickly.
Compare side by side
Check your available equity and review your best loan options.
Choose the one for you
Our expert team can guide you to the right solution for your goals.
Close from anywhere
Get funded fast and consolidate debt and credit card balances.
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.
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
Explore debt con resources
Our top-rated resources for managing high-interest debt.
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Consider a personal loan
Pay off credit cards with a personal loan from $2,000-$45,000 with Rocket Loans.