I own a house and I am in good standings on my payments with a few bad investments my credit cards are almost maxed I was wondering if I would be able to do a dept consolidation loan/second mortgage with my credit being maxed I am current on all my payments

If you have the equity in your home and income to support the new debit. Yes this is done all the time.

Being maxed out just lowers your debt availability but it does not give you a bad score. You can get a free credit scoreon line and then start looking around. I refinanced last month and got 4.5% at my local Chase bank. You might ask your bank about any advantgaes or disadvantages of a Home Equity Line of Credit over a second mortgage, there is more liquidity in how much you take and how much you must pay.

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