Senario: R/T Refi, Debt-Consolidation and Home Improvements at once.R/T REFI - Built 1949 . size 679 sq ft . lot size 6000+ sq ft .2 bed 1 bath 91770Owe $220,000 E/V $300.000FICO 720monthley $1679escrow $279current rate 5.378 fixed 30 yrs with 23 yrs left.FICO 720, Gross income $ 68,870 My current lender is GMAC the loan is guaranteed with Fannie Mae we also pre qualified and approved for HARP 2.0 And waivers for DU Refi Plus.looking for low %rate and closing cost 15 fix or 30. Dept Consolidation - Owe 18,000 between two cards.Student loans $30,000 at 3% I am paying high interest rates and almost maxed out....so I want to consolidate my cards . I do not want to consolidate my Student loans, Home improvements estimate $30,000 Is it foolish of me to think that this is possible. Can any body help me, Tell me how or if this is realistic of me, I would appreciate any advise, suggestions, ideas, or resources. Any lender that might be able to work with me.. November 01 2012 - South San Gabriel00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.