Get a second mortgage loan for refinancing bad credit; cash out, home improving or debt consolidation from trusted mortgage lenders even if you have low credit and need 2nd chance loans. We were founded as a second mortgage company, so we understand the vast benefits that 2nd mortgages provide for consumers in this economy. Our system will help you research and locate the top second mortgage lenders that have been originating a wide variety of low rate home equity loans for nearly 15 years..

Our mission is to provide homeowners with an alternative to refinancing their 1st lien by means of low rate 2nd loan financing. After decades of real property lending, our founders assembled an all-star team in an effort to construct the best loan portal online with a simple goal of empowering homeowners to gain better access to shop for second mortgages, home improvement and cash out refinance loans from competitive mortgage lenders and brokers. Consumers can activate a credit line or refinance their home with the lowest possible interest rate that makes their mortgage payments more affordable. Talk with competitive second mortgage lenders today!

How to Get a Second Mortgage

Search for the Best Programs from Trusted 2nd Mortgage Lenders

When you own a home, you have unique privileges that enable you receive money from a loan using your house as collateral. Since you already have a 1st mortgage when you first purchased your property this lien would be considered a 2nd mortgage. Like your first loan, you will need to sign legal documents that secure the second mortgage to your home and so you need to work with lending professionals to ensure that you get the best 2nd mortgage with the lowest interest while paying the least amount possible in fees.

Meet second mortgage lenders now that specialize in cash back loans, second home mortgage lines of credit and 2nd loan refinancing from 75-100% with fixed rate options.

• Low Rate Opportunities on 2nd Mortgages
• Compare Credit Lines for Cash Out
• Discuss No Cost Mortgages
• Find Affordable Loans for Consolidating Debt
• See New Programs for 2nd Loans with Poor Credit
• Check for Fixed 2nd Mortgage Rates
• No Pre-Payment Penalties
• No Fees to Check Rates
• Compare and Review Lenders for Free
• No Income Verification Mortgage Loans

Are you looking for a second chance loan? Our site has automated the process of finding respected 2nd mortgage companies that specialize in bad credit refinancing, and home equity credit lines from 75-100% with fixed rate options. Most second mortgage lenders have tightened guidelines or pulled their home equity programs all together. On the contrary, we will introduce you to trusted 2nd mortgage lenders that remain aggressive with cash out alternatives for consumers who do not want to refinance their first mortgage.

Learn How to Refinance Your Bad Credit 2nd Mortgage Loan

Once again, we ranked in the top 5 for second mortgage lenders online. We would like to extend our gratification to our customers by continuing with our policy of "No application fees for our second mortgage quotes."

• Shop Brokers, Credit Unions, Lenders and Banks for Competitive Loan Programs
• Get Help Refinancing first or second mortgages with a fixed rate!
• Get money with an interest only credit line for home renovation
• Find second chance loan opportunities with an affordable home equity program that makes sense.
• Learn the best methods to combine all your home mortgages together while maximizing monthly savings!
• Home Equity Loan or Cash Out Refinance?

Save time and money at home and let our expertise make taking out a second mortgage loan easier than you ever imagined. We bring the brokers, lenders, and bankers to you.

Now you can save time and money at home and let our expertise make taking out a second mortgage easier than you ever imagined. We bring the brokers, bankers and lending sources directly to you.

You are not obligated to do a 2nd mortgage or to take out an equity loan with our lenders, but we appreciate the opportunity to compete for your financing business.

Meet companies that are excited to help you compare 2nd mortgage and home equity credit options from the nation's leading second mortgage lenders. There are many new lending opportunities that arise all the time but you need to be speaking with the banks and lenders that specialize in 2nd mortgage programs, subprime equity lines and hard money loan transactions.

Are You Haunted from Credit Problems in Your Past? Try Applying for bad credit second mortgage online, and relax, while we bring the best three quotes to you so you can make a wise and prudent financial decision at your leisure. Let's be honest, there are thousands of homeowners that could benefit from a second chance loan secured by their real estate. Thousands of our customers have enjoy the automated process, competitive rates and terms, and financial expertise that come standard with no charge from participating 2nd mortgage companies. Even if you have had late payments, past bankruptcies or foreclosures, we will help you get considered for a second mortgage with bad credit scores. Millions of homeowners struggled making their payments on time during the financial crisis so you are not alone in searching for a 2nd mortgage with past credit problems.

Our lending partners offer home equity loans for most types of credit! If you have been turned down lately, this is a cost-effective way to use your home equity and pay off loans quickly at a lesser rate of interest. If you have noticed that your ARM payment has been increasing it may be time to revise both your 1st and 2nd home mortgages.

Many homeowners are paying off debt and getting the monthly payments reduced with a fixed rate equity loan. Refinance your home purchase or credit line with fixed interest is suggested if the rates are variable. Select from reduced interest programs that are designed for refinancing your 1st mortgage or consolidating your 2nd loan. Take a few minutes talking with some of the lenders and you will find out exactly what is needed to qualify for a second mortgage with bad credit.

If your credit line rate is above "Prime", we suggest refinancing with one of our fixed rate 2nd mortgages. Ask your loan officer about the "Quick Fix" loan that features a streamlined mortgage process and limited closing costs.

Check current second mortgage rates now!

Let us help you find the right lender today!

No Equity Opportunities! Ask About 95% Cash Back Loans
Free 2nd Mortgage Quotes for Low Rates & Refinancing

Taking Out a Home Equity Loan

A home equity loan is a 2nd mortgage that borrowers usually take out for the purposes of getting back cash or revising the interest rates on their variable rate credit cards. For several decades, 2nd loan financing has been a popular choice for homeowners to tap their equity to access cheap money quickly.

If you have a line of credit with a variable interest rate, you may be able to lower your monthly payment and possibly retain tax advantages. Getting a second loan may create new opportunities for you to save money while helping to increase your emergency funds.

Secure Debt Consolidation Solutions

Did you know that in many instances a 2nd loan or lien used for debt consolidation can be a wise financial decision? Discuss the pros and cons with a financial adviser because you would be using your property as collateral. Many consumers leverage their house by taking out a second mortgage or refinance loan that is secured by your residential real estate. The main purpose of this type of financing is to refinance existing obligations. In many cases, borrowers are able to save money when rolling the credit cards into one lower rate loan with a fixed term. Make sure you compare all factors such as term, interest rate and costs. Many times, this will assist you in gaining additional tax advantages that your debt's interest isn't earning you now. If your credit scores are too low, consider a debt consolidation loan for bad credit. Our website's primary platform is to help you find the best 2nd mortgage lender that meets your needs. There is no cost to find out if you are in a position to save money by consolidating debt with a mortgage.

What You Should Know About Second Mortgage Lending

A second mortgage is a subordinate loan behind your first mortgage. Borrowers take out 2nd loans to get cash, make modifications to their home and pay off multiple bills. Most people are able to lower their payments each month, while gaining additional mortgage tax deductions. Typically when you apply with lenders, many will try and talk you into refinancing the 2nd loan at the same time you redo the 1st lien, otherwise you will have to get the second mortgage company to agree to complete a subordination agreement.

Competitive Mortgage Refinance Considerations

Refinance mortgages may help you lower the interest rate, and save you additional money with lower payments. Choose from fixed rate refinancing terms of 10, 15, 20, 30 and 40 year mortgages. Select from interest only or principal and interest payment options with fixed or adjustable rate amortization. If you have been rejected from lenders because you are currently late on your payment, consider a modification from a foreclosure prevention company. If you have lost equity on your house and your property is considered underwater, (meaning your mortgage is larger than your home's value) then the Home Affordable Refinance Program is a popular program to consider because there are no equity requirements whatsoever. First figure out if your mortgage balance is greater than your house's appraised value. Second, ask the loan companies about the HARP Program that has been extended through 2017.

Consider House Refinancing for Lower Monthly Payments

Refinancing your home can lock your rate with a fixed rate loan that ensures fixed payments every month until your loan is paid back in full. You can refinance your primary residence, second home, or investment property and lower your mortgage payments for large savings. We can help you shop companies that are licensed for FHA-insured loans; VA, conforming, and non-conforming sub-prime refinancing. It's no secret that poor credit scores have hindered many homeowners, but the FHA programs have opened the door for borrowers to refinance into a fixed rate with loans like the FHA Secure, Hope for Homeowners and more.

Smart Financial Move to Make Home Improvements with Credit Lines

Take advantage of the equity in your property and get a second loan for home improvement projects, like remodeling or adding a new swimming pool. We will help you shop credit lines and 2nd loans for people who just bought their home, or homeowners that just want to fix up their old home. Learn more about the finance power of being a homeowner. This site can help you find the best second mortgage companies that offer HELOCs with the most favorable terms.

Take some time and research the interest rate, Federal Reserve policy, and learn more about the crucial economic indicators that determine the direction of lending institutions; Or you could let the #1 Second Mortgage Company help you through the tiring process of cash out lending online. Let us do the loan shopping for you.

For More Second Mortgage Information:

• Why a 2nd Mortgage Makes Sense This Year
• 2nd Mortgage Loan Benefits
• 7 Keys for Home Equity Loans
• Why Americans Love Home Equity Loans and Credit Lines