Leverage Your Property. Reduce Monthly Bills. Grow Smarter.
- Connection Inc17
- Aug 8
- 3 min read
Updated: 4 days ago
How High-Debt Homeowners in Scottsdale Are Using Refinancing to Regain Control
Let’s get real: high-interest debt, multiple monthly payments, and financial stress don’t just drain your wallet they kill your momentum. But what if you could shift all that? Not by hoping rates drop, but by strategically leveraging your home's equity even if that means raising your mortgage rate to lower your total monthly outflow.
At AZ Loan Help, we’re helping Scottsdale homeowners, real estate investors, and business owners turn stagnant equity into opportunity. Led by mortgage strategist Aaron Kerscher, our brokerage works with 144+ residential lenders and 800+ commercial lenders to offer real solutions, not generic advice.
Refinancing Isn’t Just About Rate - It’s About Freedom
Refinancing is often misunderstood. Most people ask, “Why would I trade my 3% rate for a 6% or higher rate loan?” But they’re asking the wrong question.
The real question is: What’s your TOTAL monthly obligation right now? Add up your mortgage, credit cards, HELOC, student loans, car payments, and other various installment plans. That’s your “Monthly Debt Outflow.”
When we structure a debt consolidation refinance, even at a higher rate, we often help homeowners cut that monthly total by 30–60%.
The Math: One Payment vs. Many
Before Refi:
Mortgage at 3.25%
16 payments per month
Total Monthly Outflow: $3,150
After Refi:
Mortgage at 6.875%
1 payment per month
Total Monthly Outflow: $1,375
Yes, the interest rate went up. But the Monthly Cash Flow went UP even more. And for this client - it changed everything.
Strategic Steps to Reduce Your Monthly Financial Load
1. Know Your Numbers
Use our Total Monthly Debt Calculator or book a free consult.
2. Timing no matter what the Market is.
If you have a lot of bills, feel like no money is left over each month, and you have equity in your current home or investment home, the time is NOW to consider a debt consolidation refinancing on your Primary Home or Investment Home.
3. Choose the Right Tool for the Job
Consolidating 1st mortgage with all other Debts
Creating a HELOC that consolidates other debts
Leaving 1st mortgage untouched
But creating a Blended Interest rate that may be higher than just refinancing the 1st mortgage with all other Debts
This loan type does adjust with Fed Rates
Creating a Fixed 2nd mortgage
Leaving 1st mortgage untouched
But creating a Blended Interest rate that may be higher than just refinancing the 1st mortgage with all other Debts
This loan type does NOT adjust
Using an Investment Property to leverage
Your Renter / Tenet pays off this mortgage
You may collect less per month from the Property (this income is taxed)
But your Personal Out Put is lowered more than you were net collecting
4. Structure It Right
Aaron personally builds creative loan strategies that don’t just save money they accelerate your long-term wealth.
5. Consolidate Debt
Roll everything into one payment. Less chaos. More control, Less stress, More Freedom!
Real Results from Real People in Arizona
A veteran refinanced with a VA loan, used equity to pay off all consumer debt, and eliminated over $1,100/month in payments.
A self-employed client was drowning in 18 separate payments. We structured a Non-QM Bank Statement Loan that dropped their total monthly bills by 25%.
Advanced Tactics for High-Debt Homeowners & Investors
DSCR Loans: Property income qualifies, not personal income great for investors.
Bridge Loans & Personal Loans: Quick access to funds while we finalize long-term financing.
Investment Property Refinance, HELOC, or 2nd mortgage: Especially effective with AZ’s HB 2110 and adaptive reuse projects.
Explore more at: https://www.azloanhelp.com/residential-loans/dscr-loans
Arizona Market Insight: Knowledge Is Leverage
HB 2110 opens new opportunities in the Investor space.
NerdWallet reports average refinance savings at $220/month—but in high-debt cases, we see $1,000+.
No PMI VA Loans in Scottsdale give qualified buyers more breathing room.
What to Watch Out For
The Math does not Math
Concerned about rates? Focus on total monthly savings, not the interest rate in a vacuum. – Don’t get caught polishing the brass as the ship goes down.
Tools That Empower You
A Free Consultation at AZ Loan Help with Aaron Kerscher
Cash Flow Calculators
Insider Blogs for Self-Employed, Investors & High-Debt Borrowers
External Resources:
Take Control. Leverage Equity. Live Better.
At AZ Loan Help, we don’t sell loans, we structure strategies that build Freedom. Whether you’re a homeowner with mounting bills or an investor ready to scale, your home’s equity or your Investment property’s equity is a tool and we know how to use it.
Call or Text Aaron Kerscher at (480) 228-1089
Book a free consult: BookWithAaron.com
Visit us online: AZLoanHelp.com
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