The Debt Crisis Is Crushing Homeowners — Here’s the Fastest Way Out

Consumer debt in America has reached the highest levels in history. Credit card interest rates are above 25%, households are drowning in revolving balances, and more than 60% of homeowners now live paycheck to paycheck. Every month feels like survival mode.

But there is a solution—one that thousands of homeowners across Colorado, California, and Pennsylvania are using to regain control fast:

A Cash-Out Refinance Paired With a Debt Consolidation Strategy.

This powerful approach allows homeowners to access their home’s equity and use it to eliminate high-interest credit card debt, personal loans, auto loans, and other burdens that are draining their income.

For many of my clients, the savings are dramatic:
$1,000… $2,000… even $3,000+ per month.
These aren’t hypothetical numbers—these are real results.

Why Debt Is Crushing Homeowners Right Now

1. Credit Card Interest Rates Are Out of Control

The average card sits around 25%—many are higher. This makes it nearly impossible to pay off balances even when making large payments.

2. Cost of Living Has Surged

Groceries, insurance, gas, utilities—everything is up. Many homeowners simply can’t catch up.

3. Homeowners Are Equity-Rich but Cash-Poor

Home values remain strong nationwide. Even struggling borrowers often have tens of thousands—or hundreds of thousands—of dollars in equity they’re not using.

A cash-out refinance changes that instantly.

How a Cash-Out Refinance Works

You refinance your existing mortgage and pull out a portion of the equity in cash.
You can use that cash to:

✔ Pay off credit cards
✔ Pay off personal loans
✔ Eliminate auto loans
✔ Lower your total monthly obligations
✔ Create breathing room in your monthly budget

Instead of spinning your wheels making minimum payments, you wipe your debt clean and roll everything into one lower, structured, manageable payment.

Why This Strategy Is So Powerful Right Now

1. Turn 25% Interest Into a Single Low Mortgage Rate

High-interest debt gets replaced with a much lower mortgage rate—saving you money every month.

2. Free Up $1,000–$3,000 per Month

By eliminating credit cards, personal loans, and auto loans, most clients see massive budget relief immediately.

3. Escape the Paycheck-to-Paycheck Cycle

A consolidated, predictable mortgage payment makes budgeting simple and stress-free.

4. Access Your Home Equity Without Selling

Selling isn’t always realistic or desirable. A cash-out refinance gives you liquidity while keeping your home.

Real-World Example

Home Value: $650,000
Current Mortgage: $360,000
Credit Cards + Loans: $45,000
Auto Loan: $28,000

Monthly Before:
– Mortgage: $2,700
– Credit Cards: $1,000
– Auto Loan: $550
Total: $4,250/mo

Monthly After Cash-Out Refi:
– One mortgage payment: $2,750/mo
Savings: $1,500 per month

This is typical. Many save $2,000–$3,000+ monthly.

Why Homeowners Choose The Home Loan Arranger

• Faster Closings Than Big Banks

Speed matters when you’re drowning in debt. I close fast and on time.

• Lower Rates & More Options

I outperform the big banks daily.

• 90% Cash-Out Programs Available

Most lenders cap at 80%. I go further when clients qualify.

• Personalized, Direct Service

You work directly with me—Jason M. Ruedy, Top 1% Loan Officer—not a call center.

• Customized Loan Terms

Choose the exact term (like 27 years) to match your goals and keep your payments comfortable.

Is a Cash-Out Refinance Right for You?

If you are:

✔ Paying high-interest credit card debt
✔ Feeling overwhelmed by monthly payments
✔ Living paycheck to paycheck
✔ Wanting to free up cashflow
✔ Sitting on unused home equity

Then YES—this strategy could completely transform your finances.

Final Word

Today’s financial pressures are real—and they’re hitting homeowners harder than ever. But you don’t have to stay trapped. Your home’s equity is your biggest tool for regaining control.

A cash-out refinance and debt consolidation plan may save you $1,000–$3,000 or more every month, eliminate stress, and finally give you room to breathe.

Call or Text Today

📱 Jason M. Ruedy – The Home Loan Arranger
Direct: (303) 862-4742
www.TheHomeLoanArranger.com

When banks say no, I find a way to say yes.