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Consolidate your debt when you need to lower your monthly payments and improve your cash flow to fit within your earnings and budget. Also, loan consolidation strategy is used to improve your credit rating by reducing your monthly debt service to gross income ratios and improving your FICO score. Debt consolidation and / or loan consolidation offers these benefits:
  • simplified repayment so you only have one monthly bill to deal with
  • lower total payments and cash out by using low interest home mortgage equity loan funds
  • decrease cash out by increasing the term of the payback period
  • take advantage of tax deductions on lower interest expense when credit cards are paid off
  • eliminate the exorbitant late payment and over credit limit fees associated with credit cards
  • get rid of rate changes that are common with credit card debt
  • reduce risk of loan default by giving yourself a manageable loan payment
  • improved credit score in some cases
Loan and debt consolidations from home equity funds can be gained using a variety of home equity loan instruments including a full refinance with cash out, second trust deeds, and home equity lines of credit.

It is important to insert a word of caution at this point. If you are going to pay off consumer debt with home equity funds, this is like using your home to pay for food, gas, clothing, appliances and other consumables with no investment value. Be careful!! Your house isn't gingerbread. If you must consolidate credit card debt with home equity capital - do it ONE time, and only then as part of an overall strategy to improve your credit score, have a better standard of living… and begin an improved regimen of personal spending habits.
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American Capital Lending is a personal service mortgage home loan broker that works with homeowners and lenders originating mortgage loans, cash out mortgage refinancing, and debt consolidation loans along the south coast area of Orange County California. Predominantly serving the beach city area of South OC, this Orange County mortgage broker concentrates on high value homes in Huntington Beach, Huntington Harbour, Seal Beach, Newport Beach and Newport coast, Corona del Mar (CDM), Emerald Bay, Laguna Beach, Pelican Hill, Dana Point, Cota de Caza, Capistrano, Coda de Caza, San Clemente, San Juan Capistrano and further inland within the Laguna Niguel, Mission Viejo, Irvine, Lake Forest and Anaheim Hills areas.  
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