Pay down debt. Rebuild credit.
No new monthly bill.
Leap Restore works for homeowners carrying high-interest credit card balances, personal loans, or medical debt. It unlocks the equity you already own to clear those balances in a single payment — without adding a new monthly payment to your budget.
Who Leap Restore is for
You own your home and have built meaningful equity in it. You also carry high-interest debt — credit cards averaging above 20% APR, a personal loan, or balances that have lingered longer than you’d like. Your debt-to-income ratio is straining what should be a comfortable monthly budget, and your credit score is being weighed down by utilization on revolving accounts.
You don’t want a HELOC, because adding a new monthly payment to your budget defeats the purpose of consolidating. And you don’t want a cash-out refinance, because mortgage rates are higher than the one you locked in years ago.
How Restore works
Leap invests between $30,000 and $200,000 in your home’s equity. You receive the funds at closing as a lump sum, which you use to pay off your highest-interest balances on day one. From that point forward, you have no monthly payment on the Leap investment. The original debt is gone, the new investment costs you nothing per month, and your credit utilization drops dramatically — typically improving your score within the first reporting cycle.
The term
Leap Restore is a 10-year investment. You can repay it at any point during the term — through a home sale, a refinance, or a voluntary buyout — with no prepayment penalty. At year 10, repayment is automatic.