1/20/26 Mortgage Insights: Why Debt Consolidation Is About Interest — Not Just Rate
On this week’s January 20, 2026 episode of Your Money Matters on KLZ 560AM, I talked about why debt consolidation can make sense even for homeowners who already have a low first-mortgage rate.
I challenged the idea of focusing only on rate and instead encouraged homeowners to look at their blended rate—the combined interest rate they are paying across their mortgage, auto loans, and high-interest credit cards. Using real-world examples, I explained how rolling expensive consumer debt into a mortgage can significantly reduce monthly payments, eliminate high-interest debt, and save hundreds of thousands of dollars in interest over time.
I also shared how applying part of the monthly savings back toward the mortgage can allow homeowners to pay off their home 6–7 years faster, while still putting tens of thousands of dollars back in their pocket. During the discussion, I addressed common concerns about increasing mortgage balances, explained closing costs and APR, and shared why working with an independent mortgage broker often provides more flexibility, transparency, and savings than traditional banks.
🎧 Listen to the full 1/20/26 episode here:
https://www.haystackhelpradio.com/wp-content/uploads/2026/01/Haystack-01-20-26-Your-Money-Matters-Mortgage-Insights.mp3
🎙️ Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.
With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
📞 (720) 895-0500 | 🌐 www.aimortgage.net
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
