The right to personal property in our country is a gift and a privilege; although, financial debt is one of the most worrisome factors in many Americans’ lives. Making sound financial decisions isn’t simple—it requires a lot of option-weighing, and there are always plenty of factors to consider. With a passion and dedication for helping our fellow Americans, HMS Capital focuses on helping homeowners in California refinance their homes to make the most of their investments.

Debt consolidation is helpful for individuals and families who are overburdened by financial obligation. Credit-card debt and student loan debt are generally attached to high interest rates, and many Americans fall victim to the decades-long struggle these kinds of financial obligations bring. Debt consolidation can spare you years of overpaying continually-collecting interest.

Your Home As a Resource

Home is where the heart is. It’s a family legacy, the place where lasting memories are held. But it is also a resource. Your home is an investment which accumulates and holds equity that you can use for other financial endeavors and repairs. Debt consolidation is one of the several resources that home ownership can provide in times of need.

Why Consolidate Your Debt?

Consolidating your debt can save you significant amounts of money in monthly payments and financial stress. When imagining the future, none of us hope it will include staggering amounts of debt and accumulated interest. Using your investment as a financial tool, you can pay off debt with high interest rates by refinancing your home. The professionals at HMS Capital have seen first-hand how debt consolidation has helped individuals and families come out of financial despair. Consolidating your debt could be best for your unique financial situation, and we’ll help guide you through the process.

How is this Done?

Debt consolidation requires refinancing a home, which begins with the application process. HMS Capital financial experts make the application process easy, providing you with excellent customer service along the way. The equity you hold in your home is calculated rather simply: the amount you owe subtracted from the currently-appraised value. Once approved through the application process, you can use the equity you have in your home to refinance and take cash out to pay off any high-interest debts.

Current
Mortgage
Products

  • 15 YEAR FIXED
  • 3.75% / 3.870 APR
  • Loan amounts up to $453,100
  • No Closing Costs
  • No Appraisal Fees

*Rates subject to change without notice

Current
Mortgage
Products

  • 30 YEAR FIXED
  • 4.25% / 4.328% APR
  • Loan amounts up to $453,100
  • No Closing Costs
  • No Appraisal Fees

*Rates subject to change without notice

HMS Capital Inc. a dba of Best Capital Funding NMLS ID: 303222, CA DBO license #01846368, loans made or arranged pursuant to a California Finance Lenders Law license. Colorado NMLS #303222, regulated by the Division for Real Estate; Florida – License #MLD1214, Ohio – License #SM.502062.000; Oregon – License #ML-5410; Pennsylvania – Licensed as a first mortgage banker by the Department of Baking License #51518; Texas – NMLS #303222; Washington – Consumer Loan Company License #CL-303222