Roll your solar loan, credit cards, and other high-rate balances into a single fixed-rate mortgage — and stop watching interest eat your budget every month.
Solar dealers sell the panels with a 1.99–2.99% pitch. What homeowners discover, two years in, is that the loan sits outside their mortgage — a separate payment, a separate due date, a separate balance still owed long after the tax credit is gone. Mainstreet rolls it back under the roof.
Solar customers tell us the second-biggest relief — after the savings — is no longer juggling a separate dealer-loan portal. The panel payment becomes part of the mortgage they already pay every month.
Most solar loans step up after a teaser period or balloon if the federal tax credit isn't applied. A Mainstreet refinance locks the full balance at a single fixed rate for the life of the loan. No resets.
Mortgage interest is deductible up to IRS limits; consumer solar-loan interest typically isn't. Customers who consolidate frequently recover a meaningful slice of what they pay back at filing time.*
Once the solar balance lives inside the mortgage, every payment builds home equity instead of just servicing a dealer loan. Homeowners describe it as "the panels finally feeling like part of the house."
*Tax outcomes depend on individual circumstances. Mainstreet doesn't provide tax advice — please consult a qualified tax professional.
No spin. Here's what consolidating looks like for a homeowner carrying a typical mix of solar, credit card, and auto debt.
Based on default balances — enter your own numbers in the calculator above and click Calculate Savings to see your personalized estimate.
We keep the process short and the paperwork human. Here's the whole thing, start to finish.
Tell us what you owe and what you pay today. We'll show you a blended rate, a potential new rate, and your estimated monthly savings — before anyone pulls your credit.
Upload recent pay stubs and statements. Your Mainstreet coach reviews your file, runs a soft-check pre-approval, and explains exactly what your rate and payment will look like — in plain English.
We send the payoff wires directly to your old lenders. You start making one payment at your new fixed rate — and every balance that was eating your budget is gone the same day we close.
Every number on this page came from a family who trusted us to simplify their debt. Here are three of them.
"Mainstreet Mortgage was incredible at helping us get a cash out refinance on our condo. It wasn't easy — they really had to help us jump through some hoops related to our complicated finances. Nathan was right on top of absolutely every detail and John's patience and persistence is unlike any we've seen in ANY business."
"I found that I needed to explore a refinance for my home and reached out to several mortgage companies... I finally found a company that seemed to really want to help me with my many questions with no pressure to commit. Nathan spent hours late into the night to answer my many questions, keeping me informed constantly throughout the process, and guided me to a wonderful result."
"John got me such an insanely good rate, I probably don't need to refi again."
No. The calculator above runs entirely on numbers you type — nothing is sent to the credit bureaus. Even the pre-approval step uses a soft credit check, which doesn't affect your score. A hard pull only happens after you've seen your exact rate and asked to move forward.
Solar loans, credit cards, personal loans, auto loans, and most other unsecured high-rate balances can be consolidated. We cannot roll in federal student loans or active tax liens. If you're not sure what counts, your coach will sort through it with you on the first call.
Our best rates go to borrowers with a FICO of 680 or above, but we've closed loans for homeowners in the high 500s when their equity, income, and payment history tell a clear story. We'll tell you honestly where you stand before you spend any time on paperwork.
Yes — refinancing involves closing costs, typically 2–4% of the new loan amount, which can be rolled into the loan so nothing comes out of pocket. We itemize every line before you sign. If the savings don't clearly outweigh the costs over a reasonable horizon, we'll tell you not to do it.
Most files close in 21–28 days from pre-approval. The faster you can send pay stubs, statements, and payoff letters, the faster we wire funds to your existing lenders. Once we close, those balances are gone the same day.
Still have a question? Your coach can answer it in one call.
Three quick questions. No credit pull. A coach will call with your exact rate within one business day — or send everything by email if you'd rather skip the call.
APR as low as 8.25% as of 05/13/2026 for qualifying borrowers with 740+ FICO and a maximum 90% CLTV on a primary residence in California. APR range 8.25%–12.49%. Rate assumes a 20-year fixed-rate Home Equity Loan. Actual APR depends on credit profile, income verification, debt-to-income ratio, and appraised home value. Payment estimates exclude property taxes, homeowner's insurance, mortgage insurance (if applicable), and any local California fees or assessments. Rate lock periods and availability are subject to change without notice.
| Loan Amount | $50,000 |
|---|---|
| Loan Term | 20 years (240 monthly payments) |
| Annual Percentage Rate (APR) | 8.25% |
| Monthly Payment (Principal & Interest) | $427 |
| Total of All Payments | $102,480 |
| Total Interest Paid | $52,480 |
This example is for illustration purposes only and does not constitute an offer or commitment to lend. Programs, rates, terms, and conditions subject to change without notice and may vary based on creditworthiness. Not all applicants will qualify for the lowest rate. Mainstreet Mortgage Co. NMLS #287902 · DRE #01421340. Equal Housing Lender.