We still have historically low mortgage rates. One of the areas where an individual or family could find a great deal of relief is through debt consolidation. Debt can have various forms: Credit Cards, Personal Loans, Student Loans, Home Equity Lines whose terms are coming to the draw period when the payment can increase by more than 300%. All of these can impact your family’s cash flow. Debt consolidation through a cash out refinance could provide you relief as the monthly payments would only be a fraction of what you are paying. If you have equity in your home and while rates are still low, contact me today to go over your debt consolidation options. I’m Karen Douglas, your mortgage genie whose helping families make their dreams a reality.