Take control of your financial situation
  • Refinance to some of the lowest rates in decades and get cash to pay off your higher-interest debt. Don't wait. These low rates won't last forever!
  • Make one low monthly payment instead of several and pay less overall every month. Unlike credit cards, the interest is usually tax-deductible. *
  • Even if you have less-than-perfect credit, we can help. Paying off your higher-interest debts faster can even improve your credit rating. Find out if you qualify.
  • Interested in consolidating two mortgages? We can help you refinance both loans into one low rate that could significantly reduce your monthly mortgage payment. 

We've helped thousands of Americans, just like you, lower their monthly payment by refinancing. Contact us today to see how we can help. 

Why you should choose ChangeMyRate.com? 

  • Only ChangeMyRate.com offers you the Closing Cost Slasher®a unique method we use to virtually eliminate closing costs. 
  • Our exclusive online tools like MyCMR let you track your mortgage process from start to finish. 
  • We close the majority of our loans in 30 days or less!  

Our most popular loan options for consolidating debt 

  • FHA Loan Refinance your debt into one low-cost loan today. 
  • 15-Year Loan Consolidate your debt and pay it off sooner with our 15-year fixed-rate mortgage. 
  • 30-Year Loan Have the peace of mind always knowing your payment amount with a 30-year fixed. 
  • VA Loan A top choice for veterans and military members to consolidate debt with a low fixed rate. 

*Please consult your tax advisor.