Your Home Can Pay Off Your Debt
$1,300 back* in your pocket every single month, by replacing your high-interest debt with one lower mortgage payment.
$1,300*
avg saved / mo
21–30
days to close
$0
cost to start
* Illustrative example only. Savings depend on loan balance, current interest rates, and creditworthiness. Not a loan offer.
Conservative Math
Worst reasonable case, not best
NMLS Licensed Brokers
Every partner verified
No Credit Pull to Start
Your score stays intact
Free for Homeowners
No fees, ever
This Is NOT Debt Relief.
Here's the Difference.
Debt settlement negotiates. Debt relief forgives. Cash-out refinancing does neither. It's a mortgage move, and the difference matters enormously for your credit, your timeline, and your financial future.
Helps Your Credit. Doesn't Hurt It.
Your score often improves. Paying off high-utilization balances at closing typically gives it an immediate boost.
Builds Ownership
You're leveraging your home, not surrendering it. Every payment continues to build equity in the property you own.
Tax-Free Proceeds
Cash-out funds are not taxable income. Forgiven debt in settlement programs often is, leaving you with a surprise tax bill.
Done in 3–4 Weeks
Not 2–4 years of uncertainty. Most California cash-out refinances close in 21–30 days with an efficient broker.
Cash-out refinancing is a standard mortgage product offered by every major lender in America. It's not a program, not a scheme, and not a negotiation. It's your equity, working for you.
By the Numbers
American homeowners sit on $35 trillion in home equity.
Most have never run the math on what a fraction of it could do for their monthly bills.
Why the Math Works
Your debts don't vanish in a cash-out refi. They move to the cheapest source of financing you have: your home.
Credit Cards
Revolving
Auto Loan
Installment
Personal Loan
Unsecured
Your Mortgage
Secured by home equity
New Rate
~6%
Roll $40,000 of 22% credit card debt into a 6% mortgage, and you pay interest at a quarter of the rate. Even with the extra balance added to your mortgage, the total monthly cost drops. That's the whole trick.
One Simple Fact
The interest on your credit cards is four times higher than the interest on your mortgage.
That's the gap. It's yours to close.
See What This Looks Like for You
Plug in your numbers. See an illustrative estimate of your potential savings in under two minutes. No credit check.
Your Current Debts
Personal Loans
Car Loans
Total Debt Entered
$20,000
Now the Other Half
The math is the easy part.
The right broker is
the hard part.
We already did that part.
About ZenFi
ZenFi Is the Cash-Out Refi Resource.
We're a mortgage education and technology platform built around one idea: your home equity can lower your monthly payments.
We connect homeowners with licensed mortgage brokers in the ZenFi Network who specialize in cash-out refinancing, a mortgage product that lets you replace high-interest debt with a single, lower mortgage payment.
We don't originate loans. We don't charge you a dime. We help you understand your options, then put you on the phone with a vetted broker who can actually make it happen.
Independent Platform
ZenFi is not a bank, lender, or broker. We work for you, not for a financial institution.
The ZenFi Network
Every broker is state-licensed, NMLS-registered, and vetted against our standards for transparency, conservative math, and client-first service.
Educational First
Our content helps you understand the concept, not sell you a loan product. Examples are illustrative, not offers.
Zero Cost to You
ZenFi is completely free for homeowners. We earn from broker partners when a deal closes. Never from you.
What Is Cash-Out Refinancing?
A cash-out refinance replaces your existing mortgage with a new one at a higher balance. At closing, you receive the difference as tax-free cash, which most homeowners use immediately to pay off high-interest debts like credit cards, personal loans, and auto loans.
The result: all those separate payments disappear. In their place, you have a single mortgage payment at a much lower combined interest rate. Many homeowners find their total monthly cash outflow drops significantly, even though the mortgage balance increased.
Most lenders require you to keep at least 20% equity in your home after the cash-out
Closing costs (2–5%) are typically rolled into the new loan. Zero out-of-pocket to start.
Your broker will give you exact numbers before you commit to anything
Simplified Savings.
Professional Guidance.
Tell Us About Your Debts
Answer a few quick questions about your home and current debts. Takes about 2 minutes. No credit check, no commitment.
Get Your Free Estimate
See what a cash-out refinance could look like for someone in your situation. Not a loan offer, just the math.
Talk to a Licensed Expert
If the numbers make sense, we connect you with a licensed California mortgage broker from the ZenFi Network who handles everything from application to closing.
21–30
Days to close in CA
Plain English
It's not magic. It's arithmetic.
Your home has equity. That equity costs nothing when it sits unused. Put it to work paying off high-interest debt, and your wallet wins.
Common Questions
No. ZenFi is a financial education and technology platform. We help you understand how cash-out refinancing works and connect you with independently licensed mortgage brokers. We do not originate, underwrite, or fund any loans.
ZenFi is free for homeowners. If you proceed with a refinance through one of our broker partners, standard closing costs apply (typically 2–5% of the loan, usually rolled into the new loan). Your broker will provide a transparent breakdown before you commit.
Our initial qualification asks basic questions and does not pull your credit. If you choose to move forward with a broker, a standard credit inquiry will occur as part of the mortgage application. This is true for any mortgage product.
Every broker in the ZenFi Network is verified to be state-licensed and NMLS-registered, and is vetted against our standards for transparency and client-first service. When we connect you, you'll receive their full name, license number, and brokerage information before your first call.
Most California cash-out refinances close in 21 to 30 days with an efficient broker. The 2-minute qualification on our site does not pull your credit and does not commit you to anything. Once you're on a call with a ZenFi Network broker, they'll walk you through the full timeline for your specific situation.
Homeowners with at least 20% equity in their home and meaningful high-interest debt (credit cards, personal loans, auto loans) tend to see the biggest benefit. If your debt is small or your equity is limited, cash-out refinancing may not be the right move. Your broker will tell you that directly. No pressure, either way.
Not everyone does, and that's okay. The qualification flow takes 2 minutes and there's no obligation. If cash-out refinancing isn't the right fit, your broker may suggest alternatives. There's never any pressure.
No pitch. Just the numbers.
Your ZenFi Network broker walks through your equity, your current debts, and whether a cash-out refinance makes sense for you. If it doesn't, they'll tell you. No pressure to proceed, ever.
Ready to Lower
Your Payments?
Two minutes to your free estimate. We'll connect you with a licensed California mortgage broker from the ZenFi Network. Every one vetted for transparency, conservative math, and client-first service.
Book Your Free CallFree. Private. Takes about 2 minutes.
What Lower Payments Look Like
Three California scenarios showing how rolling high-interest debt into a mortgage lowers total monthly outflow. Find the one that looks like your situation.
Illustrative Example · 1 of 3
Credit Card + Auto Consolidation
$650K home · California
Before
5.5% $2,100
24% avg $680
9% $420
After
One mortgage
(debts rolled in)
$2,620
/mo
Net Savings
−$580/mo
$6,960 per year
Illustrative Example · 2 of 3
Multiple Debts, Deeper Savings
$820K home · California
Before
6% $2,800
23% avg $960
12% $340
8.5% $500
After
One mortgage
(debts rolled in)
$3,360
/mo
Net Savings
−$1,240/mo
$14,880 per year
Illustrative Example · 3 of 3
Targeted Payoff, Modest Equity
$525K home · California
Before
5% $2,100
22% avg $480
0% $270
After
One mortgage
(debts rolled in)
$2,440
/mo
Net Savings
−$410/mo
$4,920 per year
$410–$1,240
Monthly savings range in examples above
21–30
Days from application to closing
$0
Out-of-pocket to start
Illustrative examples only. Rate assumptions: new mortgage ~6%, credit cards 22–24%, auto 8.5–9%, personal 12%. Actual rates and terms depend on credit, equity, and market conditions. Not a loan offer.