text: can i get a debt consolidation loan as a home loan but with no equity? i am trying to consolidate my credit card debt because the payments are too high each month.  if i could get a home loan this would be perfect.  i am having difficulty making all the payments and i don't want to completely ruin my credit.  any reliable consolidation advice would be apprecitated! no  what are you doing to reduce your spending habits and increase your income?  most people who consolidate their debt go right back to their spending habits and end up running their credit cards up again.  if you are financially irresponsible the best thing you can do for yourself is to cut up your credit cards and get a second or third job and pay the cards off.  you got yourself in this mess, you are going to have to work hard to get yourself out.  most people want an easy solution but there aren't any.