Turn High Interest Debt Into Monthly Savings
Debt Consolidation Refinancing by Perry Johnson Mortgage Company
Get a Free Quote & Find Out How Much You Can Save
The Power of Debt Consolidation
If you’re carrying a balance on your credit cards, you aren’t just paying back what you borrowed—you’re likely losing thousands to interest rates that exceed 20% APR. By leveraging the equity in your home, you can consolidate those high-cost debts into a single, low-interest mortgage payment.Slash Your Interest Rates: Trade your high-interest credit card debt for a significantly lower mortgage rate, potentially cutting your interest costs by more than half.
Reduce Your Total Monthly Outlay: By combining multiple bills—credit cards, personal loans, and auto notes—into one loan, you can drastically lower the total amount of money leaving your bank account each month.
Boost Your Monthly Cash Flow: With a lower total payment, you’ll have more money to spend on what matters—whether that’s home improvements, education, or just breathing room in your budget.
One Simple Payment: Eliminate the stress of tracking multiple due dates and creditors. One home, one loan, one date.
The Numbers Speak for Themselves
| Debt Type | Typical Interest Rate | With Consolidation |
| Credit Card | 20%-29% APR | Included in Mortgage |
| Personal Loan | 10%-15% APR | Included in Mortgage |
| Store Cards | 25% + APR | Included in Mortgage |
| Result | High Stress | Lower Payments |
Why Choose Perry Johnson Mortgage Company?
As a broker, we can shop around your loan from a variety of lenders for the lowest rates and fees. We are a discount mortgage company. We keep our overhead low to pass on the savings to you.
We have specialists in a number of loan products so you’ll be dealing with an expert who can tailor the loan and product specifically to your needs. This also gives us greater product availability (credit scores down to 500, bank statement, non-QM loans) so we’re more likely to be able to help regardless of situation.
Disclaimer: Consolidating short-term debt into a long-term mortgage may increase the total interest paid over the life of the loan. Reducing monthly payments is subject to credit approval and equity availability. Using your home as collateral means that failure to pay the mortgage could result in the loss of your home. Consult a financial advisor to see if this strategy aligns with your long-term goals. Perry Johnson Mortgage Company is an Equal Housing Lender.