Consolidating credit card debt into mortgage

Then a solicitation from a company I’ve never heard of offered me 0,000 more than my home is worth. In researching this story, I came to the conclusion that a cash-out refi wouldn’t be smart for me.Yes, it might make financial sense, but if I had card debt to roll into the mortgage, I’d be worried that one day I couldn’t pay my monthly bill, and I’d lose my charming home.The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars.However, we may receive compensation when you click on links to products from our partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.Factor these extra expenses in the equation of whether a refinancing makes sense for you.“That means it will take time for the refi to pay for itself,” Opperman says.If you are considering refinancing your home and adding in extra to cover credit card debt, experts say be careful which company you choose.

Seek credit counseling: Credit counseling services also can help by developing a plan to erase your debt in 60 months, Nitzsche says.

By refinancing your mortgage and taking extra money to cover your credit card debt, “you’re lumping in your unsecured debt with your assets,” says Thomas Nitzsche, spokesman for the nonprofit Money Management International. If you can’t pay your card balance, a lender generally cannot seize your assets.

A mortgage is a secured loan and if you can’t pay, the lender has the right to foreclose on your home.

Paying off card debt now and losing my house later? Refinancing your home carries added costs, such as closing costs, an appraisal and title search fees, Costanzo says.

That could add several thousand dollars to your transaction.

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