Looking for a second mortgage

I have decided that given:

  1. The increase in value of my house
  2. Low interest rates on mortgages
  3. A flat salary
    I should get a 2nd mortgage to kill the cc debt and make some improvements on the house. I happen to have noticed that there are approx. one billion (with a b) companies out there who send me mail (e- and not) telling me how anxious they are to lend me money. So, I’d like to give one lucky winner the chance to lend me green!

Anybody have any recommendations? Has anybody done this and had a particularly good (or bad!) experience? My priorities are (in order):

  1. Reasonable up-front costs
  2. Reasonable interest rate
  3. Not a HUGE hassle

Thanks in advance for any advice you might have.