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[Scenario] I am looking for advice on weather or not to consolidate loans: 30 yr first mortgage at 4.875% with a balance of $178,875 and 24 years remaining on a home value of $355,000 HELOC balance of $81,534 of $130,000 availalbe credit at a variable rate of prime minus 1.25% with a 3% floor - currenlty...