Debt Consolidation
Review financing options that may allow eligible homeowners to combine existing debts into one loan structure, based on available equity, financial goals, and loan qualification.
Explore debt consolidation loan options that may help eligible homeowners combine existing balances into one manageable loan structure. Excel Mortgage Services provides clear, personalized guidance on using home equity or mortgage financing, reviewing qualification factors, costs, and repayment considerations so you can make an informed decision aligned with your financial goals in 2026.
Explore mortgage-based options designed to simplify eligible debt through personalized home-financing guidance.
Review financing options that may allow eligible homeowners to combine existing debts into one loan structure, based on available equity, financial goals, and loan qualification.
Access available home equity for eligible financial needs with guidance on loan options, qualification factors, repayment considerations, and the application process.
Evaluate whether refinancing may provide a better rate, cash access, or a practical way to restructure qualifying debt alongside your mortgage.
Debt consolidation through home equity or mortgage financing can turn qualifying balances into a single repayment structure. Excel Mortgage Services helps you review your goals, available equity, credit profile, estimated costs, and loan options before you proceed. You will receive straightforward guidance through application, processing, underwriting, and closing, helping you understand both the potential benefits and the obligations of using your home as collateral.
See how personalized mortgage guidance helps borrowers move forward with greater clarity.
Receive attentive mortgage guidance built around your financial priorities.
Loan options are reviewed around your goals, eligibility, and individual financial circumstances.
Honest, integrity-led guidance helps you understand financing steps and important loan considerations.
Get help navigating documentation, credit review, underwriting questions, and other potential financing obstacles.
Support is available to homeowners across California, Arizona, Texas, Oregon, and Florida.
Client-focused guidance from an experienced mortgage professional.
Mortgage Loan Officer
Chris Bonnema is a dedicated Mortgage Loan Officer at Excel Mortgage Services, operating out of Templeton, California with an additional office in Georgetown, Texas. With a focus on honesty, integrity, and competence, Chris specializes in reverse mortgages, home refinancing, and home purchases, guiding clients through every step of the financing process. He serves homeowners and homebuyers across California, Arizona, Texas, Oregon, and Florida, providing personalized mortgage solutions tailored to each client's unique needs. Chris is committed to helping borrowers secure the lowest possible interest rates and closing costs while overcoming any roadblocks that may arise. Whether working with first-time homebuyers or homeowners exploring retirement income through home equity, Chris delivers clear, informed, and client-focused guidance throughout the entire loan process.
There is no single minimum credit score for a debt consolidation loan because requirements vary by loan program, lender guidelines, available home equity, debt-to-income ratio, income, and payment history. A stronger credit profile may improve available terms, but borrowers with credit challenges may still have options. A mortgage professional can review your full financial picture and explain realistic paths forward.
Speak with a mortgage professional for clear, personalized guidance.
Core values guiding every client conversation.
Loan discussions tailored to individual financial goals.
Home-financing assistance across five service states.
Share your goals and receive clear guidance on mortgage-based consolidation options, qualification factors, and next steps.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.