To pay off your 1st and 2nd mortgages (including home equity lines) and take out some additional cash.
To pay off your 1st mortgage and your home home equity line, closing your home equity line to any further advances.
To pay off your 1st mortgage and your home equity line, paying the home equity line balance to zero but leaving the equity line open to further advances.
To pay off your mortgage(s) and reduce your mortgage term (i.e. refinancing a 30 year to a 15 year).
You currently have no mortgage liens on your property and wish to obtain cash by applying for a 1st mortgage.
You currently have a construction mortgage loan and wish to pay it off and obtain permanent financing.
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