I want to refinance my home for a debt consolidation new loan. Which are my best options ?

I have about 40 % positive home equity , no late payments , but I only have been owning the house for a couple months. My house is in California and I have a fair to good credit with too many inquiries in the last 6 months.

Do I take a bigger hit on my credit score by using Lending Tree to search for a mortgage rate?

By getting 4 offers back does it hit my credit score as 4 inquiries vs just going to a single lender.

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