REAL-TIME CALCULATOR

Plan your mortgage with confidence.

Get an instant view of your monthly payments, total interest, and financial health — updated live as you adjust your numbers.

Step 1

First Mortgage

Step 2

High-Interest Debt

Step 1 of 2

First Mortgage

Your current home loan details

Estimated Property Value

Current Balance

Current Interest Rate

Monthly Payment

New Consolidating Mortgage Rate

Hypothetical rate. This is an illustrative interest rate for a refinanced mortgage that absorbs your high-interest debts — actual offers depend on credit, loan-to-value, and market conditions. Even if this rate matched your current mortgage rate exactly, consolidation still eliminates cash-flow bleed by replacing many short-term, high-payment debts with a single longer-amortized payment.

Your Trapped Home Equity

$51,000

Up to $51,000 in tax-free cash via a Conventional cash-out refinance. Select the program you qualify for below.

Choose your loan program

Full Debt Clearance Eligible: Wipes out your $24,900 debt load and leaves $26,100 in cash savings.

Illustrative caps. Actual cash-out limits depend on credit, occupancy, and lender overlays.

7.23%

Blended Rate

Monthly Cash Flow Bleed

$612

$2,520 now → $1,908 consolidated

$7,342 reclaimed per year

5-Year Cumulative Cashflow Comparison

Total cash paid out month-over-month — the gap between the lines is your cumulative savings

5-year cumulative savings

$36,709($612/mo)

Current Mortgage

Before

New Mortgage

After

Mortgage Loan Amount

$285,000

Mortgage Loan Amount

$309,900

Includes consolidated high-interest debt balance

High-Interest Debt

$24,900

High-Interest Debt

Debt consolidated or eliminated

Blended Interest Rate

7.23%

Blended Interest Rate

6.25%

Weighted rate across all included balances

Monthly Payment

$2,520

Monthly Payment

$1,908

Estimated combined monthly obligation

Potential Monthly Improvement

$612 less / month

Your personalized plan

Here's your plan.

By consolidating $24,900 of debt into a Conventional cash-out refi at 6.25%, you'd cut your monthly outlay by $612 and keep roughly $8,444 in your pocket over the next 5 years.

New monthly

$1,908

vs $2,520 today

Cash flow freed

$612/mo

back in your budget

5-yr interest saved

$8,444

vs staying as-is

7.23% blended→6.25% new

Current vs New — 10-Year Amortization

Side-by-side breakdown of staying the course versus consolidating

Current Path

Mortgage + debts, as-is

Yr	Paid	Interest	Balance
Y1	$30,083	$22,074	$301,891
Y2	$29,940	$21,330	$293,281
Y3	$29,940	$20,504	$283,845
Y4	$28,498	$19,580	$274,926
Y5	$24,840	$18,795	$268,881
Y6	$23,755	$18,035	$263,161
Y7	$22,200	$17,623	$258,584
Y8	$22,200	$17,305	$253,689
Y9	$22,200	$16,964	$248,453
Y10	$22,200	$16,599	$242,853
10-yr	$255,857	$188,810	—

New Consolidated Path

Conventional refi at 6.25%

Yr	Paid	Interest	Balance
Y1	$22,897	$19,266	$306,269
Y2	$22,897	$19,032	$302,404
Y3	$22,897	$18,784	$298,290
Y4	$22,897	$18,519	$293,912
Y5	$22,897	$18,238	$289,252
Y6	$22,897	$17,938	$284,293
Y7	$22,897	$17,619	$279,014
Y8	$22,897	$17,279	$273,396
Y9	$22,897	$16,918	$267,417
Y10	$22,897	$16,533	$261,053
10-yr	$228,973	$180,126	—

Total 10-year savings vs current path

$26,884

Luke Clayton

Your specialist

Debt Clearance Specialist · Licensed Mortgage Advisor

Luke will review your personalized blueprint with you, confirm your eligibility for the Conventional cash-out program, and walk you through next steps — no obligation, no pressure.

115-min intro call
Talk through your numbers
2Eligibility & rate
Confirm program + lock target
3Application & close
Guided start-to-finish

Call directly · (248) 633-8062

Licensed mortgage advisor · NMLS info available on request.

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