Did you know that you can combine all of your high-interest debt – including debt from credit cards, auto loans and personal lines of credit – into one low-rate mortgage loan? It's true. By consolidating debt in a secured loan, backed by the equity in your property, you can access interest rates lower than even a personal line of credit would allow.

Consolidating debts into your mortgage allows you to lower your monthly obligation by extending the total amount of time it will take to pay off the debt.

Mortgage loans carry the lowest interest rates as they are backed by an asset, your home, and are therefore much less risky in the eyes of banks.

By lowering your monthly payment and consolidating multiple payments into one, you are more likely to make every payment on time and in full. This will improve your credit score, giving you greater options with lenders in the future.