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Well Billy you might be able to do a refinance if your credit history is clean and you agree to cancel your credit cards as soon as they are paid off. Ultimately the decision is up to you - but either way you have to do something quickly. Just keep in mind, if you used the credit cards to...

Well consolidating a CC debt turns it from a 25% p.a. personal loan into a home loan @ 7% payable over 30 years....so it's better if you have the financial discipline to pay it off ASAP.

Hil billyyard - you might be able to consolidate your debts to pay off the CC. But I'd need more information before I could work it out like rental income, do you have a ppor, married? kids? etc