Cash-Out Refinance Debt Consolidation Workbook

Rising balances and scattered monthly payments can make it difficult to see a clear path forward. This workbook is designed to help homeowners evaluate whether a cash-out refinance could simplify their finances by reorganizing existing debt into a structured mortgage strategy.

Inside the workbook, you’ll map your current debts, evaluate how equity could be used, and review the potential impact on monthly cash flow and long-term equity.

The goal is simple: provide a clear framework so you can determine whether consolidating debt through a refinance improves your financial position — or whether waiting is the better decision.

Complete the form below to download the workbook and begin evaluating your options.

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You’ll receive the workbook instantly, along with a few helpful homebuyer tips — only when they’re actually valuable.
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© 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. 

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* Not Available in New York  

* Texas mortgage banker disclosure consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.