Cashout Refinancing: Access cash by refinancing your home mortgage.
Debt Reduction: Consolidate various debts into a single, manageable payment.
Lower Payments: Reduce your monthly payments by leveraging your home equity.
By choosing Layton Mortgage for debt consolidation, you can enjoy several benefits:
Manageable Payments: Combine multiple debts into one payment with potentially lower rates.
Home Equity Utilization: Make the most of your home’s equity to manage your finances more effectively.
Improved Cash Flow: Free up cash flow and reduce financial stress with a single, consolidated payment.
Our process is simple and straightforward. Here’s how it works:

Determine if you have sufficient equity in your home to use for refinancing.

Discuss your financial goals with our experts to understand how refinancing can benefit you.

Submit your application for a home mortgage refinance.

Consolidate Your Debts
Use the funds from your refinance to pay off existing debts and enjoy reduced monthly payments.



Debt consolidation combines multiple debts into a single loan with a lower interest rate, making your payments simpler and more manageable.
⚠️ Important Information: Please note that this service is designed for individuals who own a home and have sufficient equity to refinance. This is not a credit card debt consolidation service. If you do not own a home or lack the equity needed for refinancing, this option may not be applicable.
Effective debt consolidation can help improve your credit score by reducing your overall debt load and ensuring timely payments.
The process can vary, but typically, you can expect to see results within a few weeks from application to final approval.


Name: Michael Chavez
Title: National Production Manager
NMLS License: 176473
Phone Number: (602) 717-8198
Email Address: [email protected]

(801) 428-9479 | LAYTON FINANCIAL SERVICES CORP DBA: LAYTON MORTGAGE | NMLS # 1922806 | www.LAYTON-MORTGAGE.COM