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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Debt Consolidation
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Talk To A Loan Expert
Ditch the Debt & Refinance To Take Control
Use the equity in your home to consolidate credit cards, personal loans, or medical bills and get a lower monthly payment.
Key Benefits
Refinance & Consolidate: Take Control of Your Debt
Refinancing your home to consolidate high-interest balances can help you lower your monthly payments, save thousands in interest, and streamline your finances into one simple, predictable payment. With fixed rates and the potential to free up monthly cash flow, it’s a smart move toward financial freedom.
How It works
Your Path to Savings
Speak to A Loan Officer
Fast, no-obligation consultation with a loan expert.
Review Your Goals
Our experts help you build the right strategy.
Close & Consolidate
Pay off debt & start fresh with one payment.
Why MIDFLORIDA
Your Local Financial Partner
As a member-owned credit union, MIDFLORIDA puts people over profits. Enjoy personalized, one-on-one guidance, fast closings, and the peace of mind that comes with no hidden fees. We're local, trusted, and here to help you every step of the way.
Frequently Asked Questions
Members commonly use a refinance to consolidate high-interest debt like credit cards, personal loans, or medical bills. Specific eligibility will depend on your individual situation and the terms of your refinance.
A refinance may affect your credit score, depending on your current credit profile and how accounts are managed during the process. For example, paying off credit cards may have a positive impact, while new inquiries or loan terms could cause a temporary dip. We recommend speaking with a loan officer to understand how this may apply to you.
Refinancing timelines can vary, but many loans close within a few weeks. Factors such as documentation, appraisal, and underwriting can affect the timeline. Our team will work to keep the process as smooth and timely as possible.
Refinancing options depend on the amount of equity in your home, your credit history, income, and other financial factors. Some loan programs may allow for limited equity refinances. Our team can help explore what options may be available to you.
Closing costs vary based on the loan type, property value, and other factors. These may include fees for the appraisal, title work, and other services. We’ll provide a Loan Estimate early in the process so you can review all potential costs before moving forward.
Get Started
Ready to Take Control of Your Finances?
Start your refinance application today and see how much you could save. Whether you’re consolidating debt or lowering your monthly payment, MIDFLORIDA is here to guide you every step of the way.
