Its been proven that consolidating your debts into your mortgage can put you much further ahead.  If you have a lot of high debt payments that just don’t seem to go away and you have the equity in your home, by putting all your debts together under one payment can save you a lot of money.  The strategy is to try to keep your mortgage amortization the same.  By doing this you still get to pay down your mortgage on your current schedule.  Also, by freeing up more cash flow each month (no more debt payments), if you put some of that cash savings back into your mortgage by increasing your mortgage payment you can pay down your mortgage even sooner.  It works.  Refinance rates now as low as 2.79% with Free legal and appraisal.