Refinancing & Combining two mortgages?

Hello,
I have two mortgages that I would like to combine. The 80% mortgage has a rate of 6.0% until next year when it becomes adjustable. I have a 20% mortgage that is at 11.5%. I don’t know if its a good time to refinance and combine both mortgages. I would love to lower my monthly payment.
You’re thoughts?

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