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Starwest Mortgage Corporation
1818 E. Southern Ave, Suite 15C
Mesa, AZ  85204

Arizona: (480) 962-5665
Tucson: (520) 303-9406
Utah: (801) 214-1777
Colorado: (720) 644-8078
Fax: (480) 545-0586

NMLS 164496 Arizona MB
0905975 Utah 5941296-NMLC
Colorado Registered MB

Consolidate Your Debt

Get A
Custom Mortgage
Rate Quote

Consider these 5 things before you consolidate debt into your mortgage.

1.  Speak to a Loan Officer first.
Make sure that if you are increasing your current mortgage balance to pay off your credit cards or other debt, you talk to a professional. They can help you determine upfront if this is something that is right for your situation.

2.  Check to see if your interest rate is reduced and make sure you’re lowering your payment.
When you consolidate credit cards or other debt, you want to make sure you’re going to end up with some cash flow and reduce your rate.

3.  Choose the right term for your new loan.
Remember, that when you add your debt to the loan, you may be rolling it into the loan amount for a longer period of time. For example, 30 years may be stretching your debt too far but creates a lower payment.

4.  Put a plan in place to pay off your debt after closing.
Once the refinance is complete, you will have extra cash flow that can be used to pay down your mortgage or other debts more quickly. Have a plan to get out of debt as soon as you can.

5.  Homeowners who have high loan-to-value need to think twice about rolling in debt.
Be careful not to leverage your home too high and put yourself in a position where you cannot sell your home or pay it down in the future.

Calculate the effect of combining other debt with your home mortgage. If you select Credit Card, Auto Loan,
or Other but leave the interest rate blank, the calculator assumes a rate of 17.5%
Debt Consolidation Calculator

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Choose a program that might fit your Consolidation needs.

Conventional Mortgage

FHA Loan

VA Loan

Why you should choose Starwest Mortgage for your home purchase:



Starwest pays for all the closing costs associated with the transaction. None of these fees are rolled onto the loan balance. Learn More

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