I live in Texas, and the last time I refinanced, my mortgage broker said that if I took out money on the refinance it would affect protections I had for my homestead under the law.
Now, I am not an attorney, or an expert on this. And laws probably vary from state to state. But this is something to be aware of. If a person files bankruptcy, often state laws will protect their home from repossession. I don't know if your state does that.
But I was told that I would lose that protection in Texas if I took out additional funds when I refinanced. I have a cousin who was in a wreck, and had to file for personal bankruptcy due to medical expenses. It is rare, but it happens. He prioritized his mortgage over his credit card bills, and the credit card companies weren't able to go after his house.
This was a controversial provision when Texas changed the law a few years back.
The point here is that rolling the 20k of credit card debit into your mortgage could affect you in other ways. It couldn't hurt to research that.