If you owe nothing on your property, and only want a small loan for a few bills, a home equity loan or HELOC (home equity line of credit) would probably work very well for you. A low loan-to-value (the amount you borrow divided by the value of the property) can overcome many credit issues. If one of those bills is a tax lien, however, some lenders may balk at refinancing you. Those that are willing may require that the lien be repaid from the proceeds of the loan before you receive any additional proceeds.
If some of those bills are credit card accounts, I suggest that you get help from a non-profit credit counseling service for budgeting advice before using home equity to pay off the accounts. That's because about 85 percent of people who consolidate debt with mortgages end up running up their balances again and in worse shape than before. It takes knowledge and discipline to do this. I am sure that you can be successful if you do it the right way.
Finally, understand that it is harder to qualify for home equity loans or any mortgage on a second home than for a primary residence. If you have enough equity in the home in which you live, it might be easier to get a loan against that one. A good loan pro can help you with this.
Find one here: https://themortgagereports.com/ratequote