If you have a home loan and a home equity loan, if you refinance can you roll the two into one or do you always have to keep the two seperate?

Hi, I'm new to this forum.I currently reside in USA and will move to Canada in the near future. I hope I can give some tips to your questions.

Home equity is the difference between your home's current market value and the total amount you owe on your home loan. A home equity loan or "second mortgage" lets you borrow a lump sum, enabling you to use the value of your home to consolidate debt or finance life?s big expenses. You can pay off your credit cards and other debts, begin home improvements such as a new kitchen or bath, finance a college education or pay for a wedding. Best of all, the interest might even be tax deductible -- your tax advisor can tell you more.

Any replies would be deeply appreciated.