Consolidate Debt

Make more room in your budget

Do you want to save money on high-interest credit cards or personal loans? Consider using your home equity to reduce your total household monthly payment amount so you can pay off your debt faster and increase your monthly budget. We offer three great options that consolidate your debt and can save you money each month.


One lower monthly payment


Flexible options

Take advantage of your equity

Consolidate Debt

Are you paying on credit cards, personal loans, or other high-interest debts? With Valon’s home equity solutions, you can pay less interest, reduce your total monthly payment amount, and pay off your debt faster.

One Simple Monthly Payment

Say goodbye to juggling bills and due dates. Consolidating your high-interest debt with one of Valon’s home equity solutions means that you’ll make one simple, predictable monthly payment.

Lower Interest Rates

With a lower interest rate on your debt, you’ll have more freedom in your monthly budget. Use this newfound freedom however you’d like, including to pay down your debt quicker!

Flexible options

Cash-Out Refinance

Refinance your mortgage and receive some of your equity as a lump sum of cash that you can use to pay off high-interest debts.

Home Equity Line of Credit

Use a portion of your equity to obtain a revolving line of credit. Use this line of credit to pay off credit cards and other high-interest debts leveraging your HELOC's lower interest rate. Then, keep your line of credit for emergencies.

Home Equity Loan

Use a portion of your home equity to receive a loan for a fixed amount. Use this loan to pay off credit cards and other high-interest debts leveraging your HELOAN's lower interest rate.

Ready to get started?

As a lender, we’ll help you finance your home and work hard to give you the best deal possible.

Speak with an Expert

To learn more about using your home equity to consolidate your debt, speak with one of Valon’s licensed loan experts. We’re standing by to answer your questions and help you decide which option is right for you.

As a servicer, we'll collect your monthly payments, and handle your property taxes and insurance.

Apply Now

Ready to get started? Jump into our convenient digital application. In 10-15 minutes, you could be on your way to getting a loan!