One payment instead of many
Talk with a licensed lender about combining credit cards and other high-interest balances into a single fixed-rate loan.
- See whether consolidation could lower your monthly cost
- Understand the total cost over the life of the loan
- No credit check to request a review
Available nationwide through state-licensed partners.
Consolidation is not right for everyone and can cost more over time. This is not an offer to lend, and it is not debt settlement or credit repair.
Get your free review
Simple, personal, and on your terms
Tell us what you need
Answer a few quick questions. No credit check and no Social Security number.
We follow up personally
We reach out by phone, text, or email, whichever you chose, to understand your goals.
Meet a licensed pro, if you want
If a licensed partner in your state is a good fit, we introduce them by name. You’re never obligated to do anything.
You decide who contacts you
We never pass your details to a partner until we tell you who they are and you say yes. Prefer email only? Leave the phone box unchecked.
Licensed professionals only
Partners hold the license your situation requires, such as an NMLS ID for mortgage lenders or a state insurance license for agents. We give you the number so you can check it yourself.
Your information stays private
Sent over an encrypted connection and stored privately. We don’t sell it, we don’t run ad trackers, and you can have it deleted any time.
Good questions to ask
Is this debt settlement?
No. Consolidation replaces several debts with one new loan that you repay in full. It doesn’t negotiate your balances down and doesn’t involve stopping payments.
Is this really free?
Yes. You never pay us anything. Some partners pay us a referral fee when we introduce a customer, which is how we keep the service free. That fee never changes the price or terms a partner offers you.
Will submitting affect my credit?
No. We don’t check credit. If you later choose to apply with a lender, the lender will ask your permission before any credit check.
Will you sell my information or spam me?
No. We don’t sell personal information, and we never share it with a partner until we tell you the partner’s name and you agree. You can stop contact any time by replying STOP to a text or emailing privacy@homeandlifeoptions.com.
Who are you?
Home and Life Options LLC is an Arizona company at 200 W Monroe Street, Phoenix, AZ 85003. We’re a referral service, not a lender, insurer, or brokerage, so we don’t quote rates or make approval decisions. Licensed partners do.
What happens after I submit?
We review your request and reach out, usually within one business day. If a licensed partner in your state fits what you’re looking for, we’ll tell you who they are and only connect you if you say yes.