What are my options?I have a mortgage at 5.75% and a HELOC that's split into two rates: 7% fixed and 2% adjustable with most of the loan fixed. Is consolidation the best approach?July 04 2012 - US00YesReport 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.