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A second mortgage is when you use the equity in your home as collateral for a second home loan. Most allow you to borrow up to 80% of the value of your home. Second mortgage rates are usually much higher than a first mortgage. Many people get a 2nd mortgage to pay off debt, make repairs or renovations. Getting a Second Mortgage with Bad Credit
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income to qualify for mortgage loan What Is a Home Equity Loan? How It Works vs. a Home Equity Line of Credit – And, as with a regular home mortgage, you’ll need to have an adequate debt-to-income ratio-a simple equation of your monthly debt payments divided by your monthly income-in order to qualify for a home.
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