equity access

Home equity debt consolidation Raleigh NC starts with a number most Wake County homeowners have never calculated: their blended interest rate across all debt. A homeowner carrying $350,000 at 3.5% and $20,000 in credit cards at 20% does not have a 3.5% debt position — they have a 4.39% blended rate, and the 20% card balance is driving it upward every month. The conventional advice to use a HELOC to protect the low first mortgage rate ignores three compounding risks: a variable rate tied to prime, an interest-only draw period that builds zero principal, and revolving access that makes re-accumulating debt easy. Kevin Martini and Logan Martini of Martini Mortgage Group model the blended rate math for each specific homeowner before recommending any structure — because the structure that wins on total cost over a real time horizon is the only recommendation that meets the Martini fiduciary standard.