Re: Refinance to consolidate debt?
Refinancing won't put your house at any more risk than it is now. (Either way you don't make your mortgage payments and they can take your house . . .your mortgage payment aren't going up significantly, so . . .) I totally agree you want to look at everything before you do a refi. I also think you most likely have. A refi even for the change in interest rate would not be unreasonable for you. (Just make sure you get a good deal like Terry keeps saying.) Refinancing would not be a failure for you, it would simply be restructing debt in a way that makes it so you can live your life again. As I said before, I'm pretty conservative when it comes to this kind of thing, I also think that after you do a quick once over to make sure you haven't missed anything go ahead and do it.
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