Personal loans to consolidate credit card date?

My fiance and I are planning to buy a house next summer. We both have FICO scores in the range 700-720. We wanted to consolidate our debts with personal loans. Currently, my average loan interest is 14%, but I could get a loan at 8.5%. I am convinced that once the tickets are paid we could put them (it is rare that we even use them now), but unfortunately, we have used it too many years. None of us ever missed payments and even if we do personal loans pays more than the minimum is not a problem. We thought it would be easier, the payments were consolidated. Long story short, would be to take a loan that will adversely affect our results when we try to get a mortgage in the summer? We actually saw last summer and we’ve already approved for a mortgage then. Thank you for everyone’s help! ….

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