Homeowners With Debt Review 2026Apply Now Check if I Qualify ↓
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2 reviews from borrowers who used Homeowners With Debt. Reviews are moderated; lenders cannot remove them.
Josh and has team helped me get rid of a bunch of debt?
I had a great time working with Josh. He is super knowledgeable and helped me tremendously when I was in debt a bunch.
Homeowners With Debt provides free, unbiased debt consultations for homeowners.
They review your full financial picture including mortgage, home equity, credit cards, loans, and income. Then they explain all of your legal and financial options so you can choose the best path forward.
They do not sell loans or file proposals themselves. They match you with the right professional based on what actually benefits you.
Homeowners With Debt is for homeowners who are carrying credit cards, lines of credit, personal loans, or collections and are starting to feel the strain of rising interest and growing balances. It is designed for people who are worried about cash flow, stressed about their monthly payments, or unsure how long they can keep things going as they are. Homeowners With Debt helps people who want to stay in control, protect their property, and find a smarter, more sustainable way forward.
They review every option that exists for homeowners, including 0 percent interest consumer proposals, home equity loans and refinancing, lump-sum debt settlement, mortgage restructuring, and even selling or downsizing when that makes the most financial sense.
If you qualify for a home equity loan or refinance, the amount you can borrow depends on your home’s value, your existing mortgage balance, your income, and your overall credit profile. Most lenders allow homeowners to borrow up to 80 percent of their home’s value, including their current mortgage, and the exact amount is calculated during your consultation.
Home equity loans and refinances usually carry much lower rates than credit cards and unsecured loans.
While credit cards often charge 19 to 29 percent, home equity rates are typically closer to mortgage rates, which means thousands of dollars saved over time.
Consumer proposals carry 0 percent interest but come with long-term credit and equity consequences that must be carefully considered.
Your consultant will walk you through real numbers for your situation.
Home equity solutions are often structured over five or ten years, or in some cases added into your existing mortgage amortization. Consumer proposals typically run for up to five years, while debt settlement is usually paid as a lump sum or over a short period of time.
