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About Debt Consolidation
Consolidating debt is the process of combining multiple debts from credit cards, high-interest loans, and other bills into one monthly payment. Debt consolidation solutions may lower your interest rate, which can help you save money on interest, lower your monthly payments, and pay down debt faster.
Get Pre-Approved
Whether you want to lower your monthly payment or pay down debt faster, Discover offers a range of debt consolidation programs that fit your financial goals.
Here are the key milestones I will be updating you during the loan process.
- New Application Received
- Updating During Loan Process
- Automating Underwriting Pre-Qualification
- TBD Pre-Approved by Underwriter
- File Submitted to Underwriting
- Appraisal Ordered
- Conditional Loan Approval Received
- Loan Locked
- Appraisal Received and Signed Off
- Final Underwriting Approval Received (“CLEAR TO CLOSE”)
- Closing Disclosure Signed
- Closing Instructions Sent to Title Company
- Approved Settlement Statement Received
- Loan Funded
Here's how it works.
1. Decide which debts to pay off
Consolidate credit cards, store cards, gas cards, medical bills, and more. Separately, you can also consolidate federal and private student loans.
2. Review your loan or balance transfer offers
Compare debt consolidation programs and apply for the one that’s right for you.
3. Start paying down your debt
We can help you determine a monthly payment you’re comfortable with as you pay down debt.
Let Us Help
We use a borrowers middle credit score in approving a mortgage application. On a FHA loan a 580 is the lowest credit score allowed to obtain financing.
We are here to help!
We’re available 6 days a week,
8 am to 9 pm MST.
Home Loans Made Simple!
Jeffrey Carlston
Mortgage Broker NMLS#315077
Direct (801) 548-2627
jeff@lendhomeloans.com
lendhomeloans.com
Augusta Lending LLC NMLS#352774
Let's Be Friends
Mortgage Application
If you have any questions about completing our online mortgage application.
Call or text 801-548-2627
Documents
We need the following basic documents. Last 2 months pay stubs and bank statements, last two years W2’s, photo ID, & social security card.
Let's Get in Touch
Helping Our Client's Become Financially Fit!
My Budget
Debt Eliminator
My Savings
My Investing
My Portfolio
Working with a team one can become financially fit to purchase a home, follow a budget, get out of debt, build a reserve account, save on insurance, invest wisely, & buy/sell real estate. We find that those who invest their time have a much greater success in hitting their financial goals – & that’s what you want isn’t it?
Spending less money than you make is essential to your financial security. Buying a modest home or paying for education or other vital needs are common expectation to debts and usually can’t be avoided. If you are in debt, pay it off as quickly as possible.
As a team we will be able to help you become financially fit to purchase a home and/or get out of debt.
Survey Form
Budget Worksheet
Debt Elimination Worksheet
Let's Run the Numbers!
Your eligibility for a debt consolidation loan depends on your home’s value, how much you owe, and your credit score.
Not sure? Find Out
This calculator is for informational purposes only. Other factors like your credit score and debt-to-income ratio may also impact loan eligibility, interest rates, and line of credit limits.8
Let us know & run your numbers!
We are able to run a free debt consolidation analysis to see how much we can save you per-month by refinancing. This could save you hundreds of dollars per-month to apply towards your new mortgage loan. By completing the form below we are able to run your numbers to see how much you would save per-month by refinancing.
Once, we have run your numbers to see how much you are able to save per-month by refinancing. We love it when our client’s send us referrals. If, you know of anyone that owns a home. We would love to run their numbers to see how much they would save per-month by refinancing their home.