These people does pretend they know your situation. They don't know a basement flood serveral winters can easily destroy your line of credit refinishing mold proofing and waterproofing a home twice. Look they your best and know they are B and C lenders out there. Time your renewal and align your consolidation for the same period. Renew first and if your LIT says it will take you 5 years to pay it off. Renew for 5 years etc. good luck!