[CM_Q]

...credit card? I have this financial dilemma hope I can get some help. I have a house that I have rented and has a first and second mtg on it. The rent only covers the first mtg (interest only fixed for another seven years @6.5%) and the HoA. I have close to $11,500 in second mtg at 9.5% and a credit card balance of 11,400 at 3.5%. The market value of the house is close or a little less than the first mtg. Even after all the Obama plan and a very good fico score (over 800) I am unable to re-fi it unless I bring close to 12-15K at closing. What I would really like to do is to re-fi the house when it satisfies 80-20 rule of bank financing and save on my monthly payments. I would like to get rid of either the credit card or the second mtg (or both) in next two years. Which one should I do keeping a decent fico score keeping in mind my current financial needs rather to maintain a high fico scope in hope of future buying needs. Help.