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Debt Consolidation 101

Debt. It’s easy to rack up. Getting rid of it is a different story. That’s where we step in.

With sky-high interest rates and multiple sources – credit cards, student loans, cars, etc. – debt has a habit of sticking around and making your life difficult. If this describes your situation, and the thought of reducing the number and size of these payments each month sounds like a no-brainer, you’ll love the debt consolidation information we’ve collected for you below.

Start With The Basics

Debt Consolidation FAQs
Got a debt consolidation or general mortgage question? You can bet we have the answer. Check out this section to quickly get the lowdown on many of the most common debt consolidation and mortgage questions.
What’s Your Home Worth?
It’s the question every homeowner wants to know. In this article, we’ll spell out all the factors that come into play in determining your home’s value, as well as the best resources to contact if you need an official valuation.
Credit And You
What’s perfect credit? And what puts the "bad" in bad credit? Now’s your chance to read up on the different credit categories and how the risk level of each affects what home loan programs may be available.

As always, our expert loan consultants are ready and waiting at 1-800-734-REFI to answer any further refinancing questions you still may have.

Loan Options & Comparisons

FHA Basics
What’s an FHA loan? Can I get one as a refinance loan? Is this a government loan? You’ll get answers to these and a bunch more in this article.
Debt Consolidation: Smoothing Out The Cash Crunch
It’s all too easy to exceed your budget. Now, you’ll understand how it may be just as easy to wrap your debt into a neat little package with a single monthly payment through debt consolidation.
Getting Cash Out Of Your Home
We pit the three most common techniques for extracting home equity against each other. You’ll learn the "ins and outs" of each of these debt consolidation methods and which one might be better suited for you.

As always, our expert loan consultants are ready and waiting at 1-800-734-REFI to answer any further refinancing questions you still may have.

Checklists & Breakdowns

A Checklist For Getting Your Debt Consolidation Started
Copies. Copies. Copies. You’ll need a bunch of these, such as of your W-2, driver’s license, most recent bank statement and many more. Don’t worry though, with this handy checklist you’ll know exactly what you’ll need as you get started.
The Importance Of The Good Faith Estimate (GFE)
This article gives you a nuts and bolts look at what exactly a Good Faith Estimate (GFE) is, and how it’s your ultimate reference when comparing the small print of different debt consolidation loans.
Closing Cost Breakdown
If you’ve sat through a closing before, you know how overwhelming the occasion may be if you’re not prepared. In this article, we’ll go over the HUD-1 form and the important things to know about each line in it.
Glossary
Our comprehensive list of all finance related terms. If you don’t know what a word, phrase or acronym is, you can bet that we do and have included it here.

As always, our expert loan consultants are ready and waiting at 1-800-734-REFI to answer any further refinancing questions you still may have.