But did you know that you can also use your mortgage as a vehicle to reduce your debt to create wealth? The average American has approximately $38,000 in personal debt, excluding home mortgages. And because the housing market has been so strong and home values have been rising, you may have equity in your home that you can utilize to consolidate debts and reduce your overall monthly burden. Have you ever worried if you had enough saved for retirement or your children’s college tuition? If you are comfortable with your current mortgage payment, and we are able to save you money through debt consolidation, you can apply the savings towards principal on the new mortgage. This can result in shaving years off your mortgage and significantly increasing your net worth, perhaps enough to sure up your savings for retirement and college education.