Consolidating mortgage loans into one dating out of state
When the economy is doing really well and jobs are easy to find, some banks may lend people much larger amounts of money without requiring any security, but this is more of an exception rather than the norm.So if you approach your bank or credit union for a loan to consolidate your debts, they are most likely to say, “Sure, we would be happy to lend you the money if you have some security for the loan.” If you own a newer vehicle without a loan on it, you could use that as security for your consolidation loan.
If you have a mortgage, you might look to see if you have enough equity in your home to consolidate your debt with your mortgage.
However, if you don't create a monthly spending plan and budget your money, it's very easy to continue relying on credit and get further into debt rather than get out of debt.
If your bank or credit union can’t help you, then see if maybe a family member or friend is able to lend you the money necessary to consolidate your debts.
You may have to be willing to make short term sacrifices for a better life in the long run.
You may also have to consider the possibility that you may not be able to afford your current lifestyle.