Refinance · 5 min read
Can I consolidate credit cards and auto loans into my mortgage?
July 12, 2026 · Written by Bill Egan, NMLS 7342
Short answer
Often yes, with a cash-out refinance. The new mortgage pays off your current home loan plus the debts you choose to roll in. You still have to qualify, and on a conventional loan you typically cannot go above about 80 percent of the home’s value. A lower monthly payment is not the same thing as saving interest.
01
Why this comes up
The credit cards and the car payment are crowding out the month, and rolling them into the house looks like relief. You reached out because a smaller monthly number might still cost more interest, and you cannot see that on a credit-card statement.
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Where this goes wrong
The house is used to wipe a car loan that had three years left, stretched over 30 years. Payment feels better; total interest is worse. Or conventional cash-out exceeds about 80 percent of value and the file dies after you already told the card companies you would pay them off.
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What we do about it
We list each debt, price a cash-out that pays them off, and show payment versus remaining interest. Conventional cash-out is commonly near 80 percent of value. We price from statements, not from balances you typed on a Saturday night.
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How to get ready
Write every card, auto loan, and personal loan with the rate and the payment. Use the consolidation calculator on this site. Stretching a three-year car into a 30-year mortgage can cut this month and raise the total. Decide if you want cash flow or less interest — they are not the same goal.