First, let me say that I don't have anything in co
First, what are your goals? Then besides the mortgage you mention what other loans and how many credit cards do you have? If you could outline where you want to be and where you are (amounts owed, available credit, interest rate, etc) you would get better advice.
See, there are a lot of ways one might go about solving this problem. Some of us will simply try to pay off the credit card that charges the highest APR. If you're not in a position to assess your risks, you may go for a free counseling session with any of these credit repair services. Our community has chosen a few good companies who might guide you in this regard - http://www.debtconsolidationcare.com/ranking-chart/