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i would look first at the closing costs associated with switching mortgage companies. they will likely have costs that you may not recoup in such a short loan period.
as for the debt consolidation, it would make sense if you can consolidated your credit cards into one loan, the mortgage, since you will be able to write off ht interest paid, most likely. also it will look better for the future loan you need to close on the sale of a new house not to have outstanding debt. but will you have enough money later to put at least 10 percent down on the new home. often times the more money you put down the better the rates. also it could help keep you from paying mortgage insurance on the new home loan. run the numbers for the savings each way and remember the long term effects.