Refinancing a mortgage can be a strategic financial move, but borrowers often wonder whether they should roll refi into a mortgage or explore alternative options. This decision can impact monthly payments, long-term interest costs, and overall financial stability. Some homeowners choose to consolidate debt or leverage equity by rolling their refinance into their mortgage. However, the process requires a thorough understanding of its benefits, risks, and eligibility requirements. This article explores whether rolling a refinance into a mortgage is a sound financial decision and what factors borrowers should consider before making this commitment.