Be careful of conditional acceptances. Some lenders are just trying to get you to borrow more money from them. If your debt ratios are good and you are current on your bills, you should question why this is necessary.
Some lenders will also try to get you to borrow more money to consolidate your bills. This may have nothing to do with credit or income-to-debt ratios.
You will be given monthly payment numbers showing that you can lower your interest rates and monthly payments by borrowing additional money on your mortgage to pay off your car, credit cards, student loans, etc. It is true that you will save money initially. However, many people find that within a short time, they have the same debt they had before they consolidated, in addition to a bigger monthly mortgage payment. Unless you are extremely disciplined or extremely desperate, stay away from consolidation loans.
The added benefit of paying down debt is that your credit score will also improve.