My first option would be to talk to your current mortgage holder of the second and see if the will release the lein with a payment of 20% and make the remaining balance a low interest rate, unsecured loan for 24 to 60 months..
Your second altermative is borrow against your 401K, surely at $200K household salary you have some retirement savings.
If the first two don't work, then call GA Federal Credit Union, they are still making some unsecured loans, and they offer good checking and savings terms. They are a member of the credit union service centers, so you can make deposit all over the united states.
Your last resort would be to transder the balance to a credit card to get out from under the mortgage and keep your creidit intact.
Larry Delbridge http://www.FirstPrimSouthMortgage.com
One of the mortgage professionals can probably advise you better than I can on your situation.
How about it Mortgage Guys? Got any suggestions?