Currently going for a refi with bank that holds mortgage. They want an explanation of credit inquiries. Don’t know which ones yet. Both of us have good to excellent credit, good income, money in bank, retirement accounts. DTI ratio of 28-30%. I did however consolidate 40k of debt with a SOFI personal loan at a great rate a month before going for mortgage refi. House is above water via the appraisal thank god. What do I say in my explanation, will this affect mortgage application?