Turn High-Interest Debt Into One Lower Monthly Payment
Use your home’s existing equity to consolidate high-interest credit cards, personal loans, or auto debt into a single, manageable mortgage payment. Simplify your finances and keep more money in your pocket every month.
No obligation. No pressure. Just find out how much you could save each month.
- 4.98 Stars (85 Reviews)
- 50+ Combined Years in Mortgage
- The Dickson Group | CrossCountry Mortgage Serving all of Arizona
See If You Qualify
Tell us a little about your goals. We’ll reach out to book your free call.
Multiple High-Interest Bills vs. One Consolidated Payment
See how consolidating high-APR debts into your mortgage streamlines your budget and eliminates monthly frustration.
Current First Mortgage
Payment #1 • Standard APR
Credit Card #1 (Chase/Citi)
Payment #2 • 24.99% APR
Credit Card #2 (Amex/Discover)
Payment #3 • 22.49% APR
Auto / Personal Loan
Payment #4 • 9.5% APR
One Single Refinanced Mortgage
All high-interest debts paid off at closing
Example: 30-year fixed-rate refinance at 7.00% annual percentage rate (APR), 360 monthly payments of principal & interest only on ~$368,000. Payment does not include property taxes and insurance; actual payment obligation will be greater.
- Credit cards and personal loans wiped out
- Just 1 payment due once per month
- Boost credit score by lowering card utilization
Payment & Savings Example — For Illustrative Purposes Only: The "Before" and "After" monthly figures are hypothetical examples of typical existing consumer obligations and a potential consolidated loan; they are not an offer of credit or a guarantee of savings. The consolidated payment of $2,450/mo reflects a 30-year fixed-rate cash-out refinance at 7.00% annual percentage rate (APR) with 360 monthly payments of principal and interest on an estimated combined loan amount of approximately $368,000. This advertised payment is principal and interest only and does not include property taxes and insurance; the actual payment obligation will be greater. The "Before" APRs shown (24.99%, 22.49%, 9.5%) represent illustrative rates on the consumer's existing separate debts, not rates offered by CrossCountry Mortgage. Your actual rate, APR, repayment term, payment, and savings will depend on your creditworthiness, loan amount, loan-to-value ratio, and prevailing market terms, and are subject to credit, income, and property approval. Rates stated are not currently offered terms and are subject to change without notice. This is not a commitment to lend. CrossCountry Mortgage, LLC | NMLS #3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity.
Tired of Juggling Multiple High-Interest Bills Every Month?
Between credit cards with 20%+ APRs, auto loans, and personal credit lines, keeping up with multiple payment due dates can feel like swimming upstream. Even if you never miss a payment, high interest rates mean most of your money goes to bank finance charges rather than reducing your actual balance.
If you own a home, you likely have equity built up. Consolidating those high-interest balances into your mortgage can drastically simplify your life and lower your overall monthly out-of-pocket costs.
One Mortgage. One Simple Payment. Total Clarity.
Here is how refinancing with debt consolidation transforms your monthly cash flow.
Consolidate High APRs
Replace credit cards carrying 18%–29% APRs with a single mortgage rate, drastically reducing money lost strictly to interest charges.
Lower Monthly Cash Outflow
Spread high-balance debt payments over longer terms to lower your required monthly obligations and free up immediate breathing room.
Access Cash for Home Upgrades
Tap into accumulated equity for home improvements, emergency savings, tuition, or major life expenses at structured mortgage rates.
Why homeowners choose debt consolidation refinancing:
- Eliminate stress by managing 1 payment on 1 due date instead of 5-10 separate creditors.
- Improve your credit score over time by lowering credit card utilization ratios.
- Potentially benefit from mortgage interest deductions (consult your tax advisor).
This Program Works Well For
Homeowners with Credit Card Debt
Carrying balances on cards with double-digit interest rates.
Borrowers Wanting Lower Payments
Looking to reduce total monthly outgoings and build monthly savings reserves.
Homeowners With Equity
Who have seen their property value increase over recent years.
Anyone Seeking Financial Peace of Mind
Wanting a clear, structured plan backed by seasoned local loan originators.
50+ Combined Years of Mortgage Experience
At The Dickson Group with CrossCountry Mortgage, we take pride in offering straight answers, clear numbers, and tailored refinancing solutions.
- Local & National Expertise — Decades of experience originating loans and helping homeowners optimize their mortgages.
- 4.98 Star Rating across 85+ Verified Reviews — A proven track record of transparent communication and client-first dedication.
- Honest Benefit Analysis — We only recommend refinancing if it delivers a clear financial advantage for your specific goals.
- Zero Pressure Consultation — Your first call is purely educational to explore options and review potential savings.
Lance Dickson
Regional Vice President & Loan Originator | NMLS #183060
Andrea Fite
Sr. Loan Officer | NMLS #1664121
Combined Years in Mortgage Industry
Verified 5-Star Client Reviews
Getting Started Is Simple
Book Your Free Call
A quick 15-minute conversation with Lance or Andrea to discuss your current mortgage and debt structure.
Review Custom Numbers
We calculate exact savings, interest differences, and closing costs so you see everything upfront with zero guesswork.
Consolidate & Save
If the numbers make sense, we handle the refinance paperwork and streamline your path to lower monthly payments.
Trusted by Homeowners Across Arizona & Beyond
"A family friend referred my wife and myself to Lance Dickson. His team was hard working from the beginning until our closing. Communication was clear and direct. I would highly recommend working with Lance and his team!"
Eric F.
Sedona, AZ
"Lance & Andrea are incredibly responsive and attentive to the details of the loan. They offer sound advice and guidance throughout the process and truly care to offer the best overall solution. Lance treats clients like family!"
Breland A.
Tucson, AZ
"Lance and his team were awesome from the first phone call. Communication and attention to details keeping me informed from start to finish. Thank you all for your dedication!"
Dean B.
Tucson, AZ
Estimate Your Monthly Debt Consolidation Savings
Adjust the sliders below to match your estimated debt balances and see how consolidation could lower your total monthly payout.
* For illustrative purposes only. Estimates assume credit-card minimum payments of ~3% of balance, the current first mortgage at approximately 6.50% annual percentage rate (APR), and a consolidated 30-year fixed-rate refinance at approximately 6.25% APR with 360 monthly payments of principal and interest. Estimated payments do not include property taxes and insurance; the actual payment obligation will be greater. Actual rate, APR, repayment term, payment, and savings depend on creditworthiness, loan amount, loan-to-value, and prevailing market terms, and are subject to credit and underwriting approval. Rates stated are not currently offered terms and are subject to change without notice. Not a commitment to lend. CrossCountry Mortgage, LLC | NMLS #3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity.
Consolidated payment = principal & interest only at 6.25% APR, 30-year term (360 monthly payments). Does not include property taxes and insurance; actual payment obligation will be greater.
Frequently Asked Questions
Got questions about refinancing and consolidating debt? We have answers.