There is another tack worth considering, although it does not address your question specifically. Consider getting your loans modified. You may qualify for payment reduction if you can make a legitimate case for hardship. As a result, you'll have extra cash available to pay off your credit card balances at a faster rate.
If I were you, I would contact B of A or Wells Fargo and see if they can combine the two loans. It doesn't cost much to find out and well worth it. I don't think getting another second is possible.
Dave Tap Tapper
Most banks that offer HELOCs at 85% CLTV
SO, considering your value hasn't gone down and it's at $599,000; 85% is $509,500 minus your 1st of $417,000 and your second of $92,000 your at 85% CLTV and wont be able to get a HELOC. Sorry to be the bearer of bad news.