The Credit Card Debt Solutions for Houston Now

GHC Funding
GHC Funding
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Published: December 3, 2025
Updated: December 19, 2025
Categories: blog
Reading Time: 3 minutes read
Article Credits

Contributing Author & Editorial Review

This article was authored and professionally reviewed to provide accurate, actionable financial insights.

GHC Funding

GHC Funding

Contributing Author

Alyssa writes about real estate investing, debt-free strategies, and emerging trends in small business finance with a focus on practical insights.

Samantha Reyes

Samantha Reyes

Senior Content Editor

Samantha specializes in editorial strategy, compliance review, and refining complex finance topics into accessible, reader-friendly guidance.

Content is provided for educational purposes only and should not be considered legal, tax, or financial advice.

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DSCR Rental Loan Highlights

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  • No personal income docs required for many programs.
  • Financing for 1–8 unit rentals, portfolios, and many STR/Airbnb deals.
  • Up to 80% LTV on purchases and 75% LTV on cash-out (program-dependent).
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Understanding Cash Out Refinance for Credit Card Debt in 2026

For many Houston residents, high-interest credit card debt can be a significant financial burden. As we approach 2026, finding effective strategies to manage and eliminate this debt is crucial. One viable option is a cash-out refinance, even for those with bad credit.

In this article...

What is Cash Out Refinance?

Cash-out refinancing involves replacing your existing mortgage with a new one for more than you owe, receiving the difference in cash. This method can be used to pay off high-interest credit card debt, potentially lowering your overall interest costs.

How Does it Work?

  • Assess Your Home Equity: Determine the equity in your home as this will be the basis for how much cash you can access.
  • Find a Lender: Look for lenders who specialize in cash-out refinances, particularly those who work with borrowers with lower credit scores.
  • Apply for Refinancing: Submit your application, highlighting your intention to use funds to consolidate debt.
  • Close the Loan: Upon approval, close the loan and receive the cash to pay off credit card balances.

Benefits of Cash Out Refinance

  • Lower Interest Rates: Mortgage rates are generally lower than credit card rates, leading to significant savings.
  • Single Monthly Payment: Consolidate multiple credit card payments into one manageable monthly mortgage payment.
  • Improved Credit Score: Paying off credit card debt can positively impact your credit score by reducing your credit utilization ratio.

Considerations and Risks

  • Home Equity Requirements: Sufficient home equity is necessary to access funds.
  • Closing Costs: Be prepared for closing costs which can be substantial.
  • Risk of Foreclosure: Failing to make mortgage payments could lead to foreclosure.

Case Study: Successful Debt Elimination in Houston

Consider the case of the Smiths, a Houston family who faced $30,000 in credit card debt with an average interest rate of 18%. By opting for a cash-out refinance, they reduced their interest rate to 4.5%, saving thousands annually and consolidating their payments into one.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

⚡ Key Flexible Funding Options:

GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

Top Pick

DSCR Rental Loan

Best for: Scaling rental portfolios
★★★★★ 4.8/5 (120 reviews)
Starting rate~7–9%+
Loan amounts$100K – $5M+
Term30 yr fixed / ARMs
Highlights
  • No tax returns required
  • Qualify using rental income (DSCR-based)
  • Fast closings ~3–4 weeks
Check DSCR Rates

SBA 7(a) Loan

Best for: Owner-occupied commercial real estate
★★★★★ 4.6/5 (89 reviews)
RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
Highlights
  • Lower down payments vs banks
  • Long amortization improves cash flow
  • Good if your business occupies 51%+
Explore SBA Options

Bridge Loan

Best for: Fast closing + value-add deals
★★★★☆ 4.4/5 (72 reviews)
RateVaries by deal
Loan amounts$250K – $15M+
Term6–24 months
Highlights
  • Close quickly — move on opportunities
  • Flexible underwriting
  • Great for value-add or transitional assets
Talk to a Specialist
Low Rates

SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
Highlights
  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans
Check 504 Eligibility

🌐 Learn More

For details on GHC Funding's specific products and to start an application, please visit our homepage:

GHC Funding Homepage

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2025 Market Trends and Lending Conditions

In 2025, the lending market in Houston shows favorable conditions for cash-out refinancing. With stable home prices and competitive mortgage rates, homeowners have ample opportunities to leverage their equity for debt consolidation.

Qualification Requirements

  • Credit Score: While lower credit scores may be accepted, higher scores could secure better rates.
  • Debt-to-Income Ratio: Lenders typically look for a DTI below 50%.
  • Documentation: Prepare financial documents, including income statements and credit reports.

Get a Free Rate Today

Compare our top-rated commercial and investment property loan programs below.

DSCR Loan
⭐ 4.8/5
  • No income verification
  • 30-year fixed | Interest-only available
  • Great for rental properties + STR
  • Fast approvals
Check My Rate
SBA 7(a) Loan
⭐ 4.9/5
  • Working capital + business acquisition
  • Up to $5M
  • Low down payment
  • Long-term financing
Check My Rate
SBA 504 Loan
⭐ 4.9/5
  • Owner-occupied CRE
  • Low fixed rates | 25-year terms
  • Great for business expansion
  • Refinance available
Check My Rate
Bank / CRE Loan
⭐ 4.7/5
  • Best for stabilized properties
  • Competitive rates
  • 12–25 year terms
  • Lower fees than private lenders
Check My Rate

Compare Loan Types

Find the Right Financing for Your Real Estate or Business Project

Loan Type Best For Rates Terms Highlights Apply
DSCR Loan Rental properties (LTR & STR) 5.99%+ 30-year fixed, IO options No income docs, fast approvals, great for investors Check My Rate
Construction Loan Ground-up, fix & build, major renovations 8%–12% depending on scope 12–24 months interest-only Flexible draws, great for builders & developers Get a Quote
SBA Loan Business acquisition, working capital, CRE Prime + spread 10–25 years Lowest down payments, long terms, best for business growth See My Options

Conclusion: Achieving Financial Freedom

For Houston residents struggling with high-interest credit card debt, cash-out refinancing presents a viable path to financial freedom. By understanding the process and potential risks, borrowers can make informed decisions and improve their financial well-being in 2026.

Get a No Obligation Quote Today.


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Helpful Small Business Resources

Use these trusted resources to grow and manage your small business—then connect with GHC Funding to explore financing options tailored to your needs.

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GHC Funding DSCR, SBA & Bridge Loans
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