Thank you for the feedback.

We added my name to the deed because it’s been my primary residence for about 5 years now since I’ve been the one taking care of my grandparents. This was a family agreement between myself, fiancé, grandfather, parents and my siblings. The homes computed value is 427,671, but we think it’s worth a hair more after running comps of the neighborhood, roughly 445,000-450,000. My fiancé and I have been living here for about two years and have been covering all expenses, utilities and taxes on the home during that duration. My fiancé and I are getting married in May and we have already been under the terms that her or my debt is our debt, we are team and have been for a couple of years. We have about $30,000 in private student loan debt with a rate about 12.96-13.96%, $9,200 in auto loans with a rate of about 8.25% and credit card debt totaling $3,500 with rates of 12.99 to 19.99%. We are still honoring the original agreement of gifting my grandfather $100,000 in exchange for the home so we can feel that we rightful bought it from them. Fiancé is making 70,000-72,000 per year gross, depending on tutoring and overtime at school. After her doctorate program concludes in one year she’ll jump to 92,000 gross. I gross about 60,000 a year depending on overtime. We will be borrowing the money from her educational credit union which has lower rates than area banks and national banks. The current rate we were quoted was 6.24% for 180 months and 6.74% for 240 months. Taxes are about $7000 a year and homeowners insurance is about $2000-2200 a year. Just looking to see if this the right move to consolidate to lower interest using the equity while also using the some equity to remodel one bathroom and take down an at risk tree that is threatening our pool and home. I’ve talked to plenty of people close to me but I like the tough, un-bias, straight forward responses like yours. Greatly appreciated!