
I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?

We are looking into moving into a larger home. Currently, we own two rental properties and would be looking to rent our current residence out. Will we be able to qualify for a new home loan in this circumstance? What are some equipment we should do to position ourselves to qualify? Our credit scores are both over 775. The houses would all take a 20k+ losses each trying to sell them in thise small sale/foreclosure saturated market. Any suggestions or advise is appreciated.
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I am looking into getting a home equity loan to consolidate some debt. I just read that banks will use the lesser of the buy price or the appraised value in seminal how much to lend you. Is this right, or do they really use the difference between the appraised value and what you owe on your mortgage? Does anyone know what interest rates are looking like right now for someone with mediocre credit scores?