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Debt consolidation and home loans often go hand in hand.  One of the best ways to consolidate your monthly debt is to obtain a home loan.  These days, even the government is attempting to help homeowners lower monthly debt by working with lenders to offer more opportunity. 
So, in a way, it might be a good time for those of us seeking debt consolidation.

First, be certain that you know what it is going to take to consolidate your monthly debt.  Add up everything that you pay related to credit like auto payments, credit card payments, and student loans.  Compare the total amount you owe on these debts to the equity that you have in your home. 
If the equity in your home exceeds the amount you owe, you can probably get a home loan to consolidate your debt.  If your equity substantially exceeds what you owe, you may be able to draw cash from your home loan, on top of paying off the other bills.

Your lender will pay off your other debts, like the auto loan, credit cards, and student loans.  You will then make one simple monthly payment to the lender who gave you the home loan.  In many cases, your interest rate may even be lowered through debt consolidation and home loans.

There are many banks and lending institutions willing to work with you to develop a loan for debt consolidation.  Be sure to shop around for the best deal you can get on your loan. 
Certainly, consider the interest rate and the terms of the loan while making comparisons.  Because there are many lenders out there, you have the power to compare and negotiate. 
Never forget that these lenders are going to make money, they are not offering you a favor.  When it comes to negotiating debt consolidation and home loans, you are the one in charge.