Well, first off, a "short term" loan is generally less than 12 months, so what you want would not be characterized as short terms by any lender.
Secondly, if you obtained a mortgage, I'm going to assume that your credit wasn't all that bad. Generally, if you have some bad credit and you need cash, the best place to go it to wherever you have an existing relationship, which would probably be your bank carrying your mortgage. If you have home equity, that's your best best. If not, you might speak with a loan officer at the bank about getting a bill consolidation loan. Possible they might be able to work something out.
An alternative is a loan finance company that lends money at generally higher rates, like a Citi-Finance or other national/regional sources. Not the cheapest solution, but they do have fewer restrictions than what a bank might since they generally take more risk.
Hope that helps.