Wasn't sure where to post this question. I have a great relationship with my CU but I've posted here in the past about my rental and not being able refinance. I have excellent credit and income but can never seem to get under the 75% LTV required by lenders. I was thinking of requesting a consolidation loan to pay off my home @186k over an 8 year term in which I have 16 years left to pay. I am in an ARM and have not been able to fix the rate. MY dti is about 42% and it would be about the same after the consolidation and of course it's going to save a lot of interest. This is the only way I can fix my adjustable rate. I have paid off loans totaling over 170k over the last 13 years to them as well.