Okay, first off, yes it may be a phobia, but it may also be a totally normal reaction. Either way it's one that I had, down to the crying.
I had to deal with it twice. Once in the mission house, where they basically took over the whole house. I was in total denial about that whole thing, and later the roof fell in and sparks burst from the outlets, so it wasn't going to be a fixable situation anyway.
But just this summer, when I came home, they weren't even in the house, but they had taken up residence on my deck, under my woodrack and in my filter and some cloths that were lying out there. Even outside, it was completely awful to clean it up, and I wore gloves and one of those little dust mask thingies, and I still had lost my shit enough to yell at the poor unsuspecting Schwans man when he tried to come to the door in the middle of me dealing with it all.
So.
Perfectly natural response.
Now, about the health stuff. This is the uncomforting thing that the doctor told me when I got bitten by the mouse, back in the infested house days. If the mice that were in the drawer had Hanta, you would have already died from it. The fact that you are still alive means that they didn't, so while it is nasty and dirty and yuck, it is probably not going to hurt you in any longlasting way. And now you've done it. So go you!