Looking for Consolidation Loan Recommendations - LOW APR

[Brandalyn Dolan]

Hello hello!  I hope everyone is doing fabulous!!  My name is Brandalyn and I am a new investor in Florida.  This is my first post. lol.  

I need some help!  And I am the first person to tell you its OK to ask for help but the last to ask!  So I'm asking.  

I have a 700+ credit score! I have over 40k in credit and only approximately an $8k balance ($4k at 0%) which I share with my partner. I have approximately a $12k balance at a 10% APR for a car loan and a $16k balance on a personal loan that was originally $22.5k at a 14% APR.

I am trying to lower my DTI and have done a couple soft pulls for a consolidation loan to consolidate what is left of the car loan and the personal loan, but so far the lowest APR is 18%!! WHYYY!

Does anyone have any recommendations??  Would a credit union be lower?  I want to pay this debt off ASAP to improve my current financial position and limit my bad debt... Am I just being impatient??  

I guess I should also mention that we just had an offer accepted for our FIRST house hack!!  I am freaking out just a little and want do whatever I can to make this happen..  (I also know I cannot apply for a loan once I have applied for the mortgage loan, which I am doing within the next 5 days).  Any advice is appreciated and your kindness is also MUCH APPRECIATED, thank you!!