The calculators here show whether a borrower with short-term debt can benefit from consolidating that debt in one or two mortgages.

Some borrowers with substantial amounts of short-term debt look to consolidate the debt into their mortgage. As background, you might want to read Pros and Cons of Debt Consolidation.

Borrowers with one mortgage can consolidate either by refinancing the first mortgage with "cash-out", or by taking out a new second mortgage. Read Debt Consolidation With a Cash-Out Refinance, and Debt Consolidation With a Second Mortgage.

Debt Consolidation Calculator for Home Owners With One Mortgage.
Allows borrower to assess both options.

A borrower who has a first and second mortgage may want to consolidate short-term debt into the first, into the second, or combine all three.  

Debt Consolidation Calculator: Home Owners With Two Mortgages.
Allows borrower to assess all three options.

Those about to purchase a house may want to consolidate non-mortgage debt in the purchase mortgage. See Consolidating Debt With a New Purchase Mortgage.

Debt Consolidation Calculator for House Purchasers.
Allows house purchaser to assess the consolidation option.