If you need to get your monthly debt payments to the lowest possible amount, especially if your high-interest credit card debt is draining your cash flow, you may want to consider refinancing and move that debt to a lower-rate mortgage.

Refinancing requires 20% equity and involves replacing your old mortgage with a new one. You can also extend your amortization if you need further cash flow relief. If you'd like to see a cost/benefit analysis, please let me know.