Best of luck!
Try Security Service Credit Union
or You local bank or credit union.
Here is the hard truth. I agree that a line of credit on a property that is not your primary residence is a tough call in this environment
My suggestion is to change your spending habits, using Real Estate as An ATM machine is part of what has gotten so many people in financial problems.
One more suggestion is to generate some income with that property and apply it towards the credit card debt.
Verde Denver Real Estate&Property Management
However a 2nd mortgage was always a difficult loan program to find for non-owner occupied properties (which is what your condo is), even when credit was at it's easiest there were only about half a dozen or so lenders willing to lend 2nd mortgages on non-owner occupied. They also required excellent credit (720-740 credit scores) as well as some reserves in the bank (checking, savings).
Given that your scores are near 600 (I read in another post) and the credit environment today, I don't think a 2nd mortgages on your non-owner occupied condo is going to happen.
I saw the issue is that you need $5-7k to pay off a credit card. Usually on a home equity loan/line of credit lenders are looking for a minimum of a $10-15k loan amount, $5-7k is just too small for most. Is paying off the credit card to improve your scores? To get a better interest rate? One idea it to take out a small personal loan (which reports as an installment loan, therefore not hurting your utilization), pay off the revolving credit card, which would increase your scores, and then you could apply for better interest rate credit cards or better interest rate personal loan. I did the same thing with my credit cards, was able to increase my scores dramatically at that point, and then I refinanced my debt with my new higher credit scores. I was fortunate enough to qualify for a personal loan from a credit card holder, if your scores aren't able to, you may want to look into peer-to-peer lending sites such as http://www.prosper.com/
Local banks or credit unions either here or in Iowa may be your best options to consider. Also many banks want to have 20% equity in the home after they refinance. Banks today seem to be very reluctant to do 'cash-out' refinances due to the new bank rules and tight guidelines. Do your research and decide what will work best for you. All the best in accomplishing your goals.
Robert McGuire ASR
Your Castel Real Estate