Simplify Your Debt Into One Payment.

Roll higher-interest balances into your mortgage or home equity and combine them into a single monthly payment.

Pre-Qualified One Payment Use Home Equity Simplify Debt Up to $832,750, or $1,249,125 in high-cost counties Pre-Qualified One Payment Use Home Equity Simplify Debt Up to $832,750, or $1,249,125 in high-cost counties

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*
Person organizing household finances at a desk

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.*

Homeowner reviewing a simplified monthly budget

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
Official program information
Written by Saxton Retail Mortgage · Reviewed by Saxton Mortgage, LLC, NMLS #1717191 · Last updated August 27, 2026

*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.