Girlfriend says I have major gambling problem and need help.

[holdemfan]

First step...admit you have a gambling problem. The tv tells us we have a problem when we bet more than you can afford to lose. Because you admitted this you need help.
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My house payment went up so much because I had to return the 90 grand she had put down on it in addition to the principle on 16 payments.

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Yes mixing your finances with this person was a gamble that the average person wouldn't make. Get immediate help for your problem and keep playing poker so you don't get so easily distracted next time.