buying a new house in 120 days)? Consider this:1. I have $30k in credit card debt.2. I have a 1st mortgage for $200k (4%) and a Home Equity line of $170k (at prime rate) with no additional credit available.3. I am buying another house at the end of April.Would I be better off refinancing my Home Equity and Credit Cards into a new Home Equity loan, or just stick with it as is?I have heard that I may be able to get better rates on my loan for my new house if I refinance. Could this be true?Thoughts? Opinions? Alternatives?