I saved money by consolidating to a 0% percent offer. can i do the same with my mortgage?

Mortgages do not come for 0%. There are arms; interest only arms and fixed rate options only. You just need to find the rate, term and payment that will fit your budget and give you some breathing room. Any mortgage banker (or even regular banker) can help you decide which is the best for you. It is really not hard at all and rates are very attractive right now!