We have 7 years left to go to finish paying off our mortgage and we have a manageable amount of home equity borrowing. How wise or risky would it be to consolidate that, borrowing at a lower rate, if the new loan would be a home-equity loan? That's the advice we're hearing from our bank and the stated rate should be lower than the rates we have on our existing mortgage and home-equity borrowing. Is there a reason to think twice about this? Thanks! John, St. Paul, MN