Pay off high-rate credit cards with your home equity.

HELOC to Pay Off Credit Cards | PACFI Home Loans

Pay off high-rate credit cards with your home equity.

Two loans, two jobs

What the difference can look like

in card debt

How the process works

Start with your equity, not your first mortgage.

Keep your low-rate first mortgage exactly as it is. A HELOC lets you borrow against the equity you have built and use it to replace credit card balances that charge much more interest.

Serving homeowners in California and Idaho only.

First mortgage Stays in place with its current rate and payment. Nothing about it changes.

HELOC A revolving line secured by your home equity, used to pay off credit card balances.

Credit cards The high-interest balances you pay off, so less of each payment goes to interest.

These examples are illustrative only. They compare one year of interest on a card balance with one year of interest on the same balance at a HELOC rate. Your actual rate, balance, and terms depend on your credit, income, and home equity.

Possible yearly interest savings

Monthly interest: on the card vs. on the HELOC.

Step

Apply online in a few steps. Questions first? Call at or email .

This is a fixed-rate HELOC, so the rate stays the same for the term of the loan. Examples on this page are simplified, use assumed rates, and are not a quote or offer of credit. Approval depends on credit, income, property, and lender requirements. Your home secures a HELOC, and missed payments can put it at risk. Closing costs and fees may apply.

Licensed to originate loans in California and Idaho only.

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• Savings examples
• How it works
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• See the savings