Do you have over $10,000 in credit card debt, car payments, student loans and other bills? No Equity Debt Consolidation Loans allow you to take cash out of your home to consolidate your bills, even if, you have no equity in your home.

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No Equity Debt Consolidation Loans offered in all 50 states including: Alabama (AL) Alaska (AK) Arizona (AZ) Arkansas (AR) California (CA) Colorado (CO) Connecticut (CT) Delaware (DE) Florida (FL) Georgia (GA) Hawaii (HI) Idaho (ID) Illinois (IL) Indiana (IN) Iowa(IA) Kansas (KS) Kentucky (KY) Louisiana (LA) Maine (ME) Maryland (MD) Massachusetts (MA) Michigan (MI) Mississippi (MS) Missouri (MO) Montana (MT) Nebraska (NE) Nevada (NV) New Hampshire (NH) New Jersey (NJ) New Mexico (NM) New York(NY) North Carolina (NC) North Dakota (ND) Ohio (OH) Oklahoma (OK) Oregon (OR) Pennsylvania (PA) Rhode Island (RI) South Carolina (SC) South Dakota (SD) Tennessee (TN) Texas (TX) Utah (UT) Vermont (VT) Virginia (VA) Washington (WA) West Virginia (WV) Wisconsin (WI) Wyoming (WY) New York (NY) Los Angeles (LA) Chicago Baltimore Washington D.C. (DC) Los Vegas Philadelphia Boston New Orleans Los Angeles Seattle Miami Tampa Arizona Memphis Charlotte Dallas Minneapolis Tulsa Cincinatti Las Vegas Detriot Pittsburgh Charlotte Oakland Austin Denver Phoenix San Diego Sacramento Raleigh Portland. No Equity Debt Consolidation Loans are sometimes referred to as any of the following: No Equity Loans, No Equity HELOC Loans, No Equity Second Mortgage Loans, 125% LTV Mortgage Loans or No Equity Home Equity Loans.

No Equity Debt Consolidation Loans

Debt consolidation can reduce your monthly bills payments up to 60%. The FTC agrees that debt consolidation is a powerful tool in helping consumers gain control of their finances when they are overwhelmed by debt.

If you have bad credit or a low credit score below 600 - Click Here to complete a fast 2 minute application.

D-I-Y Debt Consolidation Tip: Strike a good balance between your loan repayment period and your desired monthly payment amount. Don't make you loan repayment period too long - this just delays the inevitable. This is your chance to rebuild your credit, if you have a low credit score, so pay your bills on time - always.

Interest Rates

15 Year & 30 Year Fixed Interest Rates retain the same principal and interest over their lifetime. They usually have slightly higher interest rates than Adjustable Rate Mortgage (ARM).

Conforming VS. Jumbo Loans: A conforming loan is a mortgage below $417,000. They tend to have lower interest rates than non-conforming loans or "Jumbo Loans" (loans above $417,000.)

Adjustable Rate Mortage (ARM) Adjustable rate loans (e.g. 5/1 ARM, 7/1 ARM) have the same interest rate & principal for a period of time and then they adjust. For example, a 5/1 ARM will have same interest rate for 5 years and then adjust yearly. They have lower interest rates than fixed mortgage loans. They are best suited to consumers, who plan to sell their homes in 3, 5 or 7 years.