Home equity loan

Refinance or home equity?

We are finishing up building a home in a low income housing program. the interest rate will be very low with the loan they offer but would not be able to lock into the low rates right now with that type of loan.

We do have credit card debt and was wondering if it would be worth just refinancing right from the start and putting all or most of the debt on that loan?or would a home equity loan be more ideal?