When buying a house, should we roll our credit into our mortgage?

My husband and I are buying our first house and we were wondering what would be more economical for us. Should we increase our mortgage loan by 20,000 and pay off our credit cards, or should we keep our credit cards at the 9% interest rate they are at? We will have a 4% interest on our mortgage.
Yes, we have qualified for the loan with the bank knowing all our debts. We have a rate of 4% because both my husband and I have a credit score above 750, and we will be using a VA loan to purchase a foreclose property. We are planning on using an ARM loan with a 5 year locked in rate, and a 1% rate increase. We chose this loan because we intend on selling the home in 3-5 years.

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