Anyone know of a source for obtaining a "Nonconventional loan" to consolidate CC debt.?

There are many variables in this. How much credit card debt is there, how long is your home loan, what is your interest rate, credit score and even if you have a penalty in your mortage. These taken into consideration with a sharp mortage broker a package could be assembled that could potentially move you into a new mortgage reduce your years and lower your interest. Most likely in a Cashout Refi....Do no use a banks you must seek a BROKER who has access to hundreds of options and know the industry inside and out. Believe me there are many loan officers who say they understand but the reality is they are nothing more than loan originators. Find more than one and make them earn your business... Make them work to find your answer.... DO NOT GO TO ONE ... They will take you to the cleaners...

You'll get ripped on loans. Try a local consumer credit management company - they will talk to your creditors and get them to stop fees and lower interest rates allowing you to get them paid off quicker and making only one monthly payment which the management company will distribute among your creditors. This is the best way at low interest. You shoudl be able to do a web search to find companies - look for nonprofit companies. Good Luck.

Please do NOT go to one of the credit negotiating agencies. If you go to them the credit card agencies report that you are not paying your own bills and your scores will plummet. I would say if you have a personal relationship with your bank, locally then go get a debt consolidation loan, and learn how credit works. There is a formula for managing how many and what kinds of credit cards you should need or have. Things happen and we all get into this jam. There are credit counseling services that work with you and you maintain control of your money and they do not accept money to make payments on your behalf. FTC requires that you are told that no agency can perform anything with credit management that you cannot do for yourself. With that in mind they do have a place and are important. These services that can afford you education without harming your credit. The other issue is to look at a smaller APR credit card and move all the balances over. Be very careful to read the back of the application and know what the rate is, for how long, what does it become after the introductory period. Be aware and educate yourself. Good Luck.