Can I Consolidate Credit Card Debt With a Mortgage Refinance in Florida?
Yes. You can roll high-interest credit card debt into your mortgage in Florida using an FHA, VA, or Conventional Cash-Out Refinance, often for a lower combined monthly payment. The cards are paid off at closing, and your monthly cash flow gets easier to manage.
Corporate call centers often push homeowners into dangerous, variable-rate HELOCs because they're highly profitable for the bank. As an independent Florida mortgage broker, AAA Capital Funding uses the actual federal guidelines for FHA, VA, and Conventional loans to replace your 24% credit card interest with a secure, fixed-rate mortgage.
Choose Your Wealth Retrieval Strategy
FHA Cash-Out
A strong option for working families with less-than-perfect credit. Many large banks want near-perfect scores, but FHA guidelines are far more forgiving.
- ▸ Access up to 80% of your home's value.
- ▸ Forgiving on past credit issues.
- ▸ Can qualify with scores as low as 620.
VA Cash-Out
Exclusive to Veterans and active-duty military. This is arguably the most powerful wealth-extraction tool in the entire real estate market.
- ▸ Access up to 90% or 100% of equity (lender varying).
- ▸ Zero Private Mortgage Insurance (PMI).
- ▸ Pay off massive debt with minimal overhead.
Conventional Cash-Out
Backed by Fannie Mae and Freddie Mac. This one usually fits borrowers with strong credit histories and plenty of equity.
- ▸ Access up to 80% of your home's value.
- ▸ No Mortgage Insurance required at 80% LTV.
- ▸ Highly competitive rates for 700+ credit scores.
Stop the Bleeding. Run the Math Today.
Rated 4.9 stars on Google and serving Florida since 1997.
Reading the answers is the first step. Executing the strategy to reclaim your wealth is the second. Don't let another billing cycle pass paying 24% interest to a credit card company. We'll run the numbers to show you exactly which program, FHA, VA, or Conventional, recovers the most cash flow.
Every file is different.
We'll give you a straight answer based on your real numbers, even if the answer is no.
Call 888-601-8344, under ten minutes, answered the same day. No application, no hard credit inquiry.
Text 954-816-8820 if that's easier.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700