The holidays often leave more behind than good memories. For many families, January arrives with credit card statements that reflect weeks of extra spending — gifts, travel, hosting, and unexpected expenses.
When those balances sit at interest rates between 19% and 29%, it can feel impossible to make real progress. Payments get swallowed by interest, and cash flow tightens quickly.
For homeowners, there may be a better option. In many cases, high-interest debt can be consolidated into a mortgage through a refinance, a blend-and-extend, or by accessing home equity. Rolling multiple balances into one lower-interest payment can significantly improve monthly cash flow and reduce financial stress.
If holiday debt is weighing on you, a mortgage review can help clarify your options. A thoughtful strategy now can help you move into 2026 with less pressure and a clearer financial path forward. Contact us at 1.866.452.1100.
