Personal Loan to Consolidate Credit Card Date?

My fiance and I are planning on purchasing a home next summer. We both have FICO scores in the 700-720 range. We were looking into consolidating our debt with personal loans. Currently my average credit interest rate is about 14% but I could possibly get a loan at 8.5%. I am confident that once the cards are paid off we would be able to put them away (it is rare that we even use them now), but unfortunately we used them too much years ago. Neither of us ever miss payments and even if we dont use the personal loan paying more than the minimum is not an issue. We just thought it would be easier to have the payments consolidated. Long story short, would taking out a loan like this be detrimental to our scores when we are going to attempt to get a mortgage in the summer? We actually looked this past summer and we pre-approved for a mortgage then. Thanks for everyones help! ....