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The "Debt Consolidation" Strategy for Castle Rock Homeowners

January 17, 2026  •  Jim Garcia
The "Debt Consolidation" Strategy for Castle Rock Homeowners

If you have credit card debt at 22% interest, your 3% mortgage might not be saving you as much as you think.

The Strategy: We look at your "Blended Interest Rate." Sometimes, selling (or refinancing) to wipe out high-interest debt results in a lower total monthly payment, even if your new mortgage rate is higher.

Don't let "Rate Lock" blind you to bad debt. Let's run the Total Cost analysis.


Jim Garcia

Broker Associate, REALTOR ®