Crushed by High-Interest Debt? You’re Not Alone—And There’s a Way Out.

Debt Consolidation Loan

If you're feeling overwhelmed by credit card or consumer debt, you're not alone—and you're not a failure.

Every day, I speak with good people who are working hard, doing their best, and still falling behind. It’s not because they’re irresponsible—it’s because the math just doesn’t work anymore.

Credit card interest rates today are often 28% or higher. That means even minimum payments barely touch the balance. It’s exhausting, stressful, and—at times—terrifying.

And while you may be holding onto a low-rate mortgage (maybe 2.99% or 3.25%), thinking you can’t afford to give that up, what you might not realize is this:

The blended rate of your mortgage plus your consumer debt is likely much higher than you think.

You Might Be Paying More Than You Realize

Let me show you a hypothetical example for illustration purposes only:

Meet Sarah and Mike.

• They have a $280,000 mortgage at 3.125%, and their payment is around $1,200/month.

• But they’re also carrying $42,000 in credit card and personal loan debt with interest rates ranging from 18% to 29%.

• Their combined monthly payments on that debt? Around $1,350/month.

That’s $2,550/month total—and they’re barely treading water.

Now Imagine This:

We helped Sarah and Mike refinance into a new 30-year fixed mortgage, pulling out enough to pay off their high-interest debt. Their new loan amount was $325,000 at 6.5% (6.72% APR). The new monthly payment came to approximately $2,050/month.

⚠️ This is a simplified example for illustration only. Actual rates, terms, and savings will vary based on your individual financial profile and market conditions.

Even with the higher rate:

✅ They eliminated $1,350/month in consumer debt payments

✅ Their total monthly outgo dropped by $500/month

✅ All closing costs were rolled into the new loan

✅ And they have peace of mind—one payment, lower stress, and room to breathe again

The Right Move Isn’t Always the Obvious One

It’s natural to want to hold onto your low-rate mortgage. But the real cost is your monthly burden, not just the rate on one part of your debt. If your blended debt is costing you 10–12% overall, refinancing—even at today’s higher rates—could still save you thousands over time and drastically improve your monthly cash flow.

I’ve Helped Dozens of Families Just Like Yours

With over 26 years of experience in mortgage banking, I’ve had the privilege of helping families across the country find a path forward when they felt trapped and hopeless.

At Highland Mortgage, we’re licensed in nearly all 50 states, and we work directly with lenders—no middleman, no runaround.

Let’s Talk—Confidentially and Without Pressure

We offer a free, confidential analysis of your current mortgage and consumer debt situation. There’s no sales pitch—just real numbers and an honest conversation.

📞 Call me directly at (239) 470-6310📧 Or email me at chris.heidt@highlandmtg.com

Let’s explore if there’s a smarter, more sustainable way to manage your debt—and help you breathe again.

Boxcar Mortgage, LLC DBA Highland Mortgage | NMLS#1969375

8801 College Parkway, Suite 2, Fort Myers, FL 33919 | State Licenses - https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1969375 This is not a commitment to make a loan, nor should it be construed as lending advice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value (LTV) requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on the applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of the loan. Reduction in payments may reflect a longer loan term. Terms of the loan may be subject to the payment of points and fees by the applicant.