The answer is simple. If you want to keep your house you should make sure you pay your mortgage and have enough money to continue to pay your mortgage every month. You cannot lose your house if you do not pay your credit card bills, but you can lose your home if you do not pay your mortgage.
If you are unemployed and having a hard time paying your bills, your mortgage should be the first bill you worry about besides food, heating costs and insurance. You will probably end up with bad credit if you don’t pay your credit card bills, but at least you will still have your home. When you get back on your feet, then you can pay off your credit cards and fix your credit.
Credit card debt is unsecured, meaning that you have not provided collateral to the lender for your credit card loans. That’s why you should never refinance your home or get a second mortgage to pay off your credit cards. Once you do that, you have now secured your credit card debt with your home (put up your home as collateral) and if you do not pay your new second mortgage, you can lose your home. Once again, never refinance or get a second mortgage on your home just to pay off unsecured credit card debt it can cost you your home.