At Sader Mortgage, we combine your current mortgage with high-interest credit cards, car loans, student loans, or personal loans into one new, lower-rate mortgage payment. Most banks make you jump through hoops or say “no” if your credit isn’t perfect. We’ve helped hundreds of families — even with scores in the 600s — wipe out $50k–$200k+ in debt and cut their total monthly payments DRAMATICALLY.

No, Long-term: most Sader Mortgage clients see their score go up within 3–6 months because we’re paying off revolving credit-card balances and replacing them with one installment loan. We even give you a free strategy call to time it perfectly.

It depends on the refinance type, but the good news? We specialize in flexible options that make qualifying easier than with big banks.

For cash-out refinance (to consolidate debt): Yes, you'll typically need at least 20% equity in your home (up to 80% LTV) and a credit score around 580+. But if you've built steady equity and kept payments current, we're pros at making this work—even in today's market.

For FHA Streamline refinance (rate reduction without cash out):No credit check required and no minimum equity needed! As long as your current FHA loan is in good standing (on-time payments for the last 6–12 months), you can lower your rate with minimal paperwork.

At Sader Mortgage, we review your situation upfront (free, no obligation) to match you with the best path—whether it's Streamline simplicity or cash-out consolidation. We've closed deals for clients with scores in the 600s and varying equity levels. Ready to see what fits you? Let's chat.

Our average client closes in 18–28 days (many in under 3 weeks). Several clients have paid off all their Christmas debt before the next statement even arrived!

Closing costs typically run 2–4% of the loan amount (title fees, appraisal, etc.). The great news—at Sader Mortgage you almost never have to bring money to closing.

We give you two easy options:

• Roll the costs into your new loan — we simply add them to your balance so there’s zero out-of-pocket.

• Take a slightly higher rate — in exchange for a small rate increase, we provide a lender credit that covers the closing costs completely. Most clients still save hundreds every month compared to their current situation.

Either way, you get one lower total payment and no surprises at the table. We’ll run both scenarios for you side-by-side so you can choose whichever saves you the most.

I’ve been burned by big banks before. We get it. That’s why every Sader Mortgage client gets a 100% transparent, no-obligation savings report before you apply. You’ll see your exact new payment, how much debt we’re paying off, and your break-even point in writing. If we can’t save you at least $300/month, we’ll tell you upfront and wish you the best — no hard feelings.