It’s terrible to be paying 18%or more on credit cards when you can get a mortgage at 3%! So if you have good credit and can refi your entire mortgage to a low, fixed rate, then definitely do that and take out extra money to pay down the cards.
BUT, don’t. Take our a home equity loan. You’ll be paying interest only and will still have huge debt in the future. Plus rates on a home equity loan can rise sharply.
AND, when you pay off the cards, close all except the one or two you’ve held longest. It is too tempting to have “empty” credit cards in your wallet!