Charlotte, NC
Run the numbers yourself. Then talk to one licensed local loan officer who explains what you're actually looking at.
See my optionsNo credit pull to see your options
One loan officer, never a lead list
Estimates are illustrative only and are not an offer, quote, or commitment to lend. QuoteFlash is not a lender. Rates you enter are assumptions, not quoted terms. All rates, terms, and approvals are set by the lending partner and vary by borrower, property, and credit.
The only question that matters
Everything else follows from this one answer. Move three sliders and see where you land.
Keep your first mortgage. Take a second lien.
Refinancing would cost you more every month before you see a dollar of the cash.
$2,077
Existing payment plus a new second loan. Your original rate is untouched.
$2,798
One new loan at today's rate. The rate you have now is gone for good.
Where the answer flips
Assumes a 30 year remaining term on your current mortgage, a 20 year second lien, and illustrative market rates. Not an offer or commitment to lend. Your actual options depend on credit, income, property value, and available terms.
Have a loan officer confirm this
Free, no credit pull, and one person handles it start to finish.
What it's for
Worked examples so you can see the shape of it before you talk to anyone.
Renovate without the 24% loan
A roof and HVAC quote arrives with contractor financing attached. The same money against your equity costs a fraction of that rate.
Example
$60,000 at 8.5% instead of 24.99% contractor paper
Consolidate what's compounding
Card balances above 20% grow faster than almost anything else you owe. One fixed payment at a secured rate stops the spiral.
Example
$45,000 of revolving debt into one fixed payment
Keep cash on hand, unused
A line you open and never draw costs nothing to sit there. Far cheaper than borrowing in a hurry when something breaks.
Example
$50,000 line opened, interest only on what you use
Illustrative examples, not actual customers or offers. Rates shown are for comparison only. Your terms depend on your credit, income, and property.
Not sure which one fits your situation?
Answer five short questions and a licensed loan officer will walk you through it.
Where we differ
We only get anywhere if a loan closes. So here are three times we will tell you to walk away, written down in advance so you can hold us to it.
The debt comes back
Consolidating cards into your home only works if the cards stay at zero. If the spending pattern is unchanged, you have moved unsecured debt onto your house and kept the habit.
You're moving soon
Closing costs need years to earn back. If you're selling inside two or three, the math rarely clears, and a shorter term personal loan may genuinely beat us.
The payment is tight
A second lien is secured by your home. If the new payment only works in a good month, the right answer is a smaller draw or none at all.
Ask a question, get a real answer
A licensed loan officer writes back with a straight answer. No application, no obligation to go further.
What happens next
Your file goes to a single licensed loan officer here in Charlotte, who walks you through what your numbers actually mean before anything gets committed to.
Talk to a loan officerOne form. One licensed local loan officer. No credit pull to see your options.
Get startedOr call (803) 627-8841 and skip the form entirely.