You can refinance your home to consolidate debt regardless of your credit history.
There are many reasons to refinance your home loan. Refinancing and consolidating your debt can lower monthly payments, to pay-off loan sooner or to cash out.
Here are some reasons to consider:

Consolidate your high-interest debt. Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax-deductible.

Get extra cash. Refinancing can give you extra cash for the things you've always wanted to do. Take a vacation, or paying for a college education. It's your choice.

Home Improvement Loans. Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of our home.

You'll get your money fast. We can close loans in as little as 10 days.

24 hour preliminary approval. You'll know if you qualify in as little as one day.

Take a 30-day break from payments. Your first payment is usually not due for 30 days or more.

The care you want. The service you deserve. Your loan officer will take care of you through very step of the loan process from application to approval.

The equity in your home can be a good source of low-interest funds for major purchases.

Consider a home equity loan or a home equity line of credit to generate cash if you need to finance home improvements or have other major expense for which you would be taking on debt.

If you are carrying a lot of high-interest debt, you can use your equity to reduce the interest you are paying. The interest will be tax-deductible, too. Just don't go overboard.

Mortgages are "good" debt, but the are still debt. Don't abuse your equity.

The home equity loan can be used for debt consolidation, home improvement, major purchases and education.