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Over 25 years of mortgage experience, ready to walk you through your numbers in 3 minutes.
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Cash-Out Refi Calculator
Model your numbers for debt consolidation, home improvement, or any major expense your equity could cover. Joe's prep AI helps you understand the inputs and surface the right scenario in 3 minutes. Joe handles the actual conversation.
Your Current Loan
Remaining principal on your mortgage
Debt to Consolidate
Roll high-interest debt into your mortgage at a fraction of the rate
Credit cards, car payments, personal loans
Combined required minimum payments across all that debt. If most is credit card debt, your actual interest is often higher than what the minimums suggest.
Mortgage + all debt payments combined
New Loan Details
Rate you expect to qualify for
Typically 2-5% of loan amount
Extra cash beyond debt payoff
Weigh the costs and benefits carefully
Total Monthly Savings
+$972
per month by consolidating into one payment
Before (mortgage + debt)
$2,920/mo
After (one payment)
$1,949/mo
Break-Even Point
7 months
Lifetime Net Cost
-$36,373
Closing Costs: $6,000 • Debt Payoff: $25,000 • Total New Loan: $325,000
Analysis & Insights
By rolling $25,000 of high-interest debt into your mortgage at 6.00%, you eliminate $800/month in separate payments. Your total monthly savings is $972.
Reducing your rate by 1.00% is a significant improvement.
Your total monthly outflow drops from $2,920 to $1,949, saving you $11,662/year.
You'll recoup your closing costs in just 7 months.
Extending your loan term by 5 years may increase total interest paid. However, the monthly cash flow improvement from debt consolidation often outweighs this.
Ready to see your actual rate?
Get a personalized quote based on your credit and property. It only takes a few minutes.
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Personalized GEM Mortgage cash-out quote
See what you qualify for
Share a few details with Golden Empire Mortgage, Inc. and Joe Cucchiara, NMLS #273084, to get a cash-out refinance quote.