can I buy a house and roll my debt into my mortgage?

Answer 1

No. I don't know of a lender that will lend more money that the purchase price of the house.
You will have to purchase the house, wait until you have some equity and refinance it. Then you may roll the debt into the mortgage.

Answer 2

Generally, no, at least not at the same time you purchase the house. However, you may be able to purchase a house and then later re-finance the house and roll some or possibly all of your debt into the mortgage, depending on how much debt you have. The general rule is that the amount of your outstanding mortage not exceed the fair market value of your house by more than a few thousand dollars.

Answer 3

No.
When people refinance their homes, they have paid part of it off, leaving that amount in escrow. When they refinance, the escrow is deducted and the remaining amount due is refinanced at a new (hopefully lower) finance rate.
The only other thing you can try to do is use the escrow to pay off the debt.
But the short off it all is that if you have substantial debt, you probably are not going to get a home loan, and if you do, you will lose more on the higher interest rate you would probably pay, leaving you worse off than if you paid your debt and then financed the home loan.

Answer 4

You won't be able to do it in one go. One way to do it is to buy the house first and then get a 125% Home Loan that essentially allows you to borrow up to 125% of your home's value. You could use that loan to consolidate your debt. You can look around on the below website

Answer 5

Almost sure that you will find every financial answer at= financial-care.info-

RE Can I buy a house and roll my debt into my mortgage?

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Answer 6

NO