Simplify Your Debt Into One Payment.
Roll higher-interest balances into your mortgage or home equity and combine them into a single monthly payment.
One loan. Flexible ways to buy.
However you earn, there’s likely a path to approval.
- Roll higher cost balances into one mortgage payment
- Standard documentation: income, assets, and credit
- Primary residence, second home, or investment property*
- Unsecured debt becomes debt secured against your home
- A full appraisal is normally required
- Conforming and jumbo options available*
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Primary, second home, or investment property
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Debt Consolidation Refinance?
Rolling higher cost consumer debt into home financing
The Saxton Debt Consolidation Refinance is a full-featured mortgage that follows Fannie Mae and Freddie Mac guidelines, written for owners carrying balances that cost far more than a mortgage.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to $832,750, or up to $1,249,125 in higher-cost counties.*
Why choose the Saxton Debt Consolidation Refinance?
Built for qualified buyers whose standard documentation don’t tell the whole story.
Card Rates Versus Mortgage Rates
The gap between what revolving debt costs and what a mortgage costs is the entire argument for doing this.
January Is Busy
Holiday balances arrive in January, which is when most people start looking for a way out of them.
Move-Up & Repeat Buyers
Clear the balances first, then think about moving.
Secured, Not Unsecured
This moves unsecured debt onto your home. That lowers the rate and raises the stakes, and you should hear both halves.
Do The Total, Not The Payment
A lower monthly payment over a longer period can still cost more overall. Ask for the total, not just the installment.
A Second Lien Instead
If your first mortgage rate is low, a HELOC or home equity loan may consolidate the same debt without touching it.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about consolidating debt into your mortgage.
Loan limits follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties, with jumbo options above those limits.
Yes. Low-down-payment options make buying your first home more attainable.*
Higher-interest balances such as credit cards and personal loans may be consolidated into your mortgage, subject to program eligibility.
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting, which weighs your credit history alongside your income, assets, and the property. Stronger credit generally opens more options.
What you bring to closing is cash for closing costs, prepaid taxes and insurance, and any escrow funding, and some of that can often be rolled into the new loan. What decides the loan is the equity in the property and whether the consolidation genuinely improves your position.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes. Consolidating through a refinance replaces your existing first mortgage with a new one.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Debt Consolidation Refinance program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, mortgages
- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.