Stop Juggling Five Credit Card Bills
Roll high-interest balances into one simpler payment using your home's equity. We can even pay your debts off at closing to help you qualify. 100% online, self-employed friendly.
- ✓One simpler payment instead of five
- ✓Use your equity — keep your first mortgage
- ✓We can pay your cards off at closing
- ✓Self-employed and business owners welcome
- ✓Soft credit check — no impact to start
Why do you need a HELOC?
Select the primary reason you want to access your home equity.
Updated June 2026 | Randy Mathis, NMLS# 1516760
The Math Nobody Wants to Look At
On the average credit card, making only the minimum payment can take 18+ yearsto pay off, because most of each payment goes to interest instead of your balance. Scattered across several cards, that's years of spinning your wheels. Consolidating into a single payment backed by your home's equity is one way to break the cycle.
Who Debt Consolidation Helps
Multiple High-Interest Cards
Juggling four or five credit card payments with different due dates? Roll them into one simpler payment instead of chasing minimums that never seem to move.
Paying Only the Minimums
On the average credit card, minimum payments can take 18+ years to pay off because most of each payment goes to interest. Your equity can break that cycle.
Self-Employed or 1099
Hard-to-document income? Income can be verified digitally through Plaid. No paystubs needed* for eligible borrowers and programs.
Tight Monthly Cash Flow
When the monthly minimums are squeezing your budget, consolidating into a single payment can free up room to breathe.
How It Works
Four simple steps from application to one simpler payment.
Pre-Qualify
Answer a few quick questions. A soft credit check shows your options with no impact to your score.
Verify Digitally
Link your bank, business, or payroll account through Plaid. Self-employed friendly. No paystubs needed* for eligible borrowers and programs.
We Pay the Cards
We can pay off your high-interest debts at closing to help you qualify and simplify your finances in one move.
One Simpler Payment
Your high-interest balances are consolidated into a single payment, secured by the equity you've already built.
One Path Doesn't Fit Everyone
A bank offers one product. As a broker with access to 100+ lenders, Randy compares your options — a HELOC, a cash-out refinance, or a home equity agreement — and matches the one that actually fits your situation.
Randy Mathis
Executive Branch Manager | Lumin Lending Inc.
NMLS# 1516760 | DRE# 02236644
I specialize in helping homeowners use the equity they've built to get out from under high-interest debt. With access to 100+ lenders, I'll compare your options honestly and tell you straight whether consolidating makes sense for you.
Licensed in 13 States
Frequently Asked Questions
How does debt consolidation with home equity work?
Will this hurt my credit?
I'm self-employed — can I still qualify?
Is consolidating my debt into my home risky?
What states is this available in?
Ready to Simplify Your Payments?
Answer a few quick questions above to see your options. No obligation, and checking won't affect your credit to start.
Randy Mathis | NMLS# 1516760 | Lumin Lending Inc. NMLS# 2716106
Licensing:Randy Mathis · NMLS# 1516760 · DRE 02236644. Lumin Lending Inc. · NMLS# 2716106 · DRE# 02991443. Licensed in 13 states. Verify licensure at NMLS Consumer Access.
Equal Housing Lender. Lumin Lending Inc. does not discriminate based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act.
Debt consolidation disclosure: Consolidating debt moves unsecured balances (such as credit cards) to debt secured by your home, which is used as collateral and may be at risk if you do not repay. Extending repayment over a longer term can increase the total interest you pay even at a lower rate. This page is not an offer or commitment to lend. Approval, rates, APR, and terms depend on credit, equity, property type, and program. The 18+ year minimum-payment figure is a general illustration based on typical balances and rates and is not specific to your accounts.
*Documentation: Income, asset, property, or cash-flow verification may vary by borrower, lender, and loan type. Not all programs require paystubs. Not a commitment to lend.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.