I would take it out tbh and pay off the credit cards.

The credit cards are probably eating most of your income at this point than your actual mortgage. Pay the month that you're behind in mortgage and pay off your credit cards.

​

I am no financial advisor but at least that's what I would do.

How much do you have in your 401k?

At this point I would take out the money out of my 401k and pay off the credit cards or pay the mortgage and some credit cards.

Honestly I would just keep it there, since you might need it right away. Just keep saving.