Find Out If a Cash-Out Refi Can Replace Your Debt Payments — Before You Call Anyone.
Credit cards at 24%. Personal loans at 18%. Every month you carry that balance, you’re handing interest to someone else. This two-page worksheet runs the real side-by-side math so you know exactly what consolidating through your home equity would save you.
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Download Free Worksheet
Two-page PDF · Print or fill digitally · Instant access
What the Two-Page Worksheet Walks You Through
This isn’t a generic debt calculator you find anywhere online. It’s structured around the specific decision of whether a cash-out refinance makes financial sense for your situation — with a built-in reality check at the end.
📋 Your Debt Inventory
A fillable table for every debt you’re considering — lender, balance, APR, and minimum monthly payment. Includes a weighted average rate calculation so you see your true blended cost of debt.
🏡 Your Equity Position
Three input fields and a visual equity bar to establish your home’s current value, mortgage balance, and the cash-out amount you can realistically access at 80% LTV.
⚡ The Rate Gap
A side-by-side comparison of what your debt is costing you now versus what that same balance would cost inside a mortgage. The monthly interest savings number is usually the eye-opener.
💰 New Payment Estimate
Calculate your new consolidated mortgage payment and compare it to your current combined debt + mortgage outflow. Includes the 5-year savings projection.
✅ Decision Checklist
Six honest yes/no boxes to make sure you’re consolidating for the right reasons — including the risk acknowledgment that this converts unsecured debt into a mortgage-secured obligation.
📞 Bring It to Your Consultation
Once complete, bring the worksheet to your free 15-minute consultation. Stacy verifies the numbers, runs your exact rate, and identifies which program gives you the best outcome.
Why This Math Matters — A Real Example
$45,000 in credit card debt · Same amount consolidated into a mortgage
⚖️ The Part Most Lenders Skip — We Don’t
A cash-out refinance for debt consolidation is one of the most powerful financial moves available to homeowners. It is also one that requires honesty about the risks. The worksheet includes a six-point decision checklist that covers exactly this.
The main thing to understand: credit card debt is unsecured — if you stop paying, your credit takes a hit. Mortgage debt is secured by your home — if you stop paying, you risk foreclosure. Consolidation makes mathematical sense when the monthly savings are real, the rate difference is significant, and you have a clear plan to not run the cards back up after they’re paid off.
The worksheet walks you through all of it — not to discourage you, but to make sure you go into the consultation with clear eyes and the right questions already answered.
Run the Numbers. Then Let’s Make Them Official.
Download the worksheet free, complete it with your real balances, and bring it to your consultation. Stacy will verify your equity position and build your exact savings scenario.
Get the Free Worksheet ↑