Please do not do this. A mortgage is secured debt, whereas CC's are unsecured. If you use a mortgage or HELCO to pay off things such as CC debt, that will move the unsecured debt to a secured debt, putting your house in danger if you can not pay or have to file for BK. It also will quickly open up your CC lines which you may be tempted to use them again, racking up even more debt. Start paying of the highest interest card with as much money as you can, while paying the minimums on the others. Once that is paid off, move to the next highest interest rate, while paying the minimums on the others. Continue this process until you out of debt. If you have a ton of CC debt, you may want to wait until you can get some or all CC debt knocked out. Good Luck

you can but its not a perfect solution, depends a bit on the details, which you have not shared, if for example you maxed out and carried it for some time you should get the CC down to one third and start paying them down monthly, generally what you want to do is a home equity line of credit if your CC's are high and interest is high, however beware, you loose your home if you do not pay the mortgage, if you do not pay the CC in time or argue and get a deal, it will not affect your home.

it all depends

There is a way to do it that will be beneficial. I'm not sure what the interest rates on your mortgage and cc's are, but generally the interest rates are much higher on the cc's. If you consolidate your cc debt into you mortgage and then pay the amount you were paying on you cc's into your mortgage you can leverage off the higher interest rate on your cc's and pay your house off faster.

The answer is pretty simple. DON"T BUY THE HOUSE. The money you are saving for the house, put those to all your debt and be done with it.

I hate being the messenger with bad news it, but Chigu is correct. You are not ready to buy a house if you have nothing down and are going to pay of CC's with a mortgage. Not only will your unsecured debt now become secured, but if something happens to your income and you were forced to sell, the house value has to go up about 10% for you to break even... this is a bad idea. Pay off your bills, save 20% and you'll be in a much better situation to absorb an emergency later on.

You can't buy your way out of debt with other debt. You are merely doing a transference of the debt. Do what Chigu said.