The idea of rolling credit card debt into your mortgage when you buy a Metamora home.
If your debt is too burdensome to qualify for a home loan, suggesting that the lender pay your 
debt off and extend you more money just doesn’t fly on today’s market like it once did. This is largely because most homes bought these days are just barely squeaking by to be appraised as having the same value as the purchase price.
Virtually no lender is willing to extend cash and dump it into paying off your credit cards to be secured only by a home that may depreciate and is unlikely worth a ton more than what you’ve agreed to pay for it.
Even if you do pay off your credit card debt, the time may come when you can buy a home and do own a home and do have home equity and run more credit card debt up and you begin to wonder whether you should take out a home equity loan or line of credit to consolidate your credit card debt and simplify your life.
Don’t do it. Your credit cards are unsecured debt, meaning that if you have to default on them, the creditor’s only recourse is to sue you, the creditor can’t take your house or your car. Your mortgage, including home equity loans and lines of credit, are secured with your home, meaning that if you default on them for whatever reason, your lender can and will take your home.
If you increase the debt load secured by your Metamora home in order to pay off unsecured debt, you are effectively securing your credit card debt with your home. If you lose your job or become disabled and can’t pay, you could very well lose your home over whatever purchases you made using those credit cards.
Not worth it.
references: tara-nicholle nelson, inman news, efrogpond, donsrealty.net