Can I refinance my home? Roll in student loans and other debt?

I have a home I bought last year as a foreclosure for $ 61K. I have made many repairs and have the current value around $ 110. But my current debt are my student loans ($ 55K) and credit cards ($ 3K.)

For a current debt of $ 119K

Could I refinance my home to roll my debt into a mortage for an interest rate close to 7% so I have just one bill to pay rather then my mortgage and my 2 student loans. My loans are consolidated close to 9%.

My credit score is excellent but I haven’t approached anyone about this approach becaus eI heard I have to wait 1 full year to refinance. I purchased the home in August. Thank you!

Any answers or links to more info is greatly appreciated.

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