You Could Lower Your Monthly Debt Burden by 30% to 50%
We are NOT a debt relief agency, we’re mortgage brokers specialized in cashout refis to pay off debt. Our service is FREE, and we can help you:
- Lower your overall interest rate in a substantial way
- Rebuild your credit score securely
- Reduce your debt payments by $9,600 per year on average
It takes 10 seconds and has 3 questions. 87% of homeowners are eligible!
40% lower
monthly debt payments on average*
$700 to $1,500 lower payments
every month on average*
$48,000 that stays in your pockets
over 5 years on average*
Group all your balances into 1 payment with a lower interest rate
We take care of everything from A to Z, and you won’t even have to leave your home.
Use our savings simulator below to get an idea of how much you could save!
ZenFi USA Savings Simulator
Enter Your Current Debts
Personal Loans
Car Loans
Your Home & Current Mortgage Details
New Mortgage Details
Your Potential Outcome Summary
This is an estimate based on your inputs.
Estimates only. This is not a loan offer or a guarantee of savings. Actual rates, payments, and savings may vary. Subject to underwriting approval. We operate in Texas (Max 80% LTV for cash-out). Closing costs are not included in this simulation. Assumed minimum payments for estimation purposes: 5% of credit card balances and 1% of line of credit balances. New estimated mortgage payment based on a [LOAN_TERM_YEARS]-year amortization. "Potential savings" refers to the estimated reduction in total monthly payments for the debts included in this simulation. Extending loan terms, as may occur with a cash-out refinance, can result in paying more total interest over the life of the new loan compared to maintaining your current debts, even if monthly payments are lower. This simulation does not calculate total interest paid.
3 Simple Steps
Answer 3 easy questions concerning your financial situation
If eligible, obtain a free phone consultation to discover your exact savings, new interest rate, and monthly payments
We take care of everything, from finding you the best lender to dealing with the paperwork. You only have to send us a few documents and sign electronically.
There is no obligation at any point, and our analysis is completely free
If you... feel like you're having trouble making ends meet, lowering your monthly payments IS the solution!
Take advantage of our years of experience helping homeowners pay off their expensive debt!
This is how it works - A Case Study
It’s really important to understand what we do. It’s easy to make big claims and throw some impressive numbers around, but by giving you a concrete example you’ll able to see for yourselves how this can work for you.
This example is that of an actual client whose experience is typical. Following the video is a written summary, given that some of you will not be able to turn the sound on.
The video above is a case study of a couple who were juggling a mortgage, high-interest credit cards, and a car loan — with total monthly payments of $3,750. Their mortgage alone was $1,200/mo, plus $1,900 in credit card minimums and $650 for the car loan. After refinancing everything into one new mortgage of $273,000, their new monthly payment dropped to $1,997. That’s a savings of $1,753/mo — or over $105,000 in just five years — giving them room to breathe, rebuild their credit, and finally get ahead.
Some other benefits
Done with the end of month stress!
Save up for vacations or other pleasures of life!
Our service is 100% free!
Simplify your budget with ONE payment
Keep more money monthly
Get back on top financially
Rebuild your credit and reputation
Avoid bankruptcy with reducing debt
Obtain better terms on future loans
Frequently Asked Questions
We are mortgage loan originators, duly accredited with NMLS. ZenFi Inc’s NMLS ID# is 2602478. We are licensed to operate in the state of Texas. Check the NMLS Website for validation.
No, not at all. We do not negotiate your debts on your behalf, we help you pay them in full by using the equity in your home. We are mortgage brokers specialized in cashout refinances for the purpose of paying off debt and lowering your payments.
Not at all, on the contrary it will most likely improve it. One of the reasons your score might be low is because your revolving credit is full. Pay that off and the score will go up.
A lot of it will depend on how quickly you send us your documents, once you’ve decided to move forward. Once they’re all received, you can get your money as quickly as 3 weeks! Keep in mind Texas mandates a 12 day cooling-off period to make sure you made the right decision.
Our service is 100% free. We are only paid if you decide to go forward, and it isn’t you who pays us, it’s the lender who gives us a commission for bringing the file to them.
Probably. If your business makes money but you pay yourself a low salary because of fiscal reasons, know that there are programs that will be able to look at what your business makes and qualify you on that revenue.