Refi Mortgage

Is it better to Refinance A Mortgage or getting a 2nd mortgage?
I lost my job 2 years ago and my husband wants to retire he will be 65 soon. Our debt is high and we can not make the minimum placement on cc payments. HELP
the first thing you should do is to control your spending and look for a job. then you should look at Mortgages. find out what the penalty for refinancing is to determine whether it is worthwhile