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This allows for a longer term minimum payment of 20 or 30 years with a balloon payment due in 10 or 15 years.There by keeping the payment fully amortized and lower for the longer term. This is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index.A debt consolidation loan will save you hundreds of dollars every month by consolidating those high-interest credit card balances, car loans, and other costly debts into a new low-interest home loan with one monthly payment.It is possible to consolidate your debt by accessing the equity that is in your home.A consolidation mortgage enables you to refinance debts and installment loans by taking out a junior lien to finance cash for credit card consolidation and reduced monthly payments.We recommend converting all revolving credit card debts into a second mortgage that features a fixed interest rate.Nationwide has become a premiere lender with low rate guarantees for no equity mortgage loans, home refinancing and consolidating high rate credit card debts.We offer fixed rate refinancing with debt consolidation loans for people with good and bad credit.