If you don’t mind me asking, what do you mean by “had to?”
Turning unsecured debt (credit cards) into secured debt (mortgage) is such a generally-regarded-as-bad move that I couldn’t imagine doing it unless I was ordered to do so by a court. Given that a having a mortgage implies that one already owns a house and therefore doesn’t necessarily need good credit in the same way a renter does, I suspect I’d be more inclined to just default on the unsecured debt instead.
That goes double for the medical debt (including avoiding even transforming it into credit card debt), since IIRC it’s even harder for the creditors to collect on and in some cases is no longer even allowed to affect your credit score.