My apologies is this isn’t the correct place to ask a question but I have a borrower who can bene...

My apologies is this isn’t the correct place to ask a question but I have a borrower who can benefit by consolidating debt. He is going back and forth in his own head between a cash out refi or leaving his 1st mortgage alone and getting a HELOC to consolidate about 80K worth of debt. The cash out refi option would increase his monthly cash flow by about $1500 which he loves. The reason he’s hesitant is because he feels like he’ll be able to pay off the 80K, which is a combination of several debts faster. Any suggestions on how you’d approach this? TYIA!