I know this is probably the not the best solution but you dont want to lose your house.
If I where you I would get straight onto another lender probably one of those debt consolodation companies get them to put the 2 debts together and get them to pay the 2nd one of asap and make the new loan over a period of time that the repayments are comfortable for you to repay each month. They may still want to take your house as security but as long as they repayments are confortable with you there should be no problem.
My sister in law and her partner have a baby and they got into 30,000 worth of debt and where going to lose their house they did this now they have comfortable repayments each month, the loan is over many years though.
Make sure the loan and your mortgage come out the day after you get paid then you can budget for the rest of the month. Also losing your house will give a bad credit rating for the future.