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Second Mortgages

There are many different types of second mortgages available:

  • A home equity loan allows you to borrow money based on the amount of equity, or value, you own in your home. This amount is determined by taking the market value of your house and subtracting the amount of your first mortgage. If you own a home that is worth $150,000 and have a mortgage $100,000, $50,000 is the amount of your equity. Most lenders will allow you to borrow any where from 85% to 100% of this amount.
  • A home equity line of credit is also based on your equity. However, instead of one large advance of cash, a line of credit is opened for you in the amount of a loan. This amount can be drawn from usually for a period of five to ten years conveniently using credit cards or checks. Through out this draw period interest builds only on the amount you have withdrawn. This type of loan is good for people with irregular expenses since it allows them to draw what they want when they need it.

There are many different types of second mortgages available:

  • A reverse mortgage is a line of credit available for homeowners of 62 years and older. This type of loan allows you to draw money as you need or receive monthly payments for the rest of your life or until you move, even if the amount of your loan exceeds the value of your house (usually because the home did not rise in value as expected or the homeowner lived longer than was expected). This loan, like the home equity line of credit, has an adjustable rate, but this rate is based on a different index, the Prime Rate which can often be more reliable than other indexes.
  • If you have little or no equity in your home, many lenders will still allow you to obtain a second mortgage, but it can be risky to secure a loan with your home if there is not enough equity accrued.

A second mortgage is a tax deductible, low interest way to fund home improvement, investments, or large purchases. Turn your equity into money to purchase the car you always wanted or to buy a vacation home. Fill out our free short form to contact an expert about your second mortgage.

Second mortgages provide homeowners with a tax deductible alternative to high interest consumer loans. If you are interested in buying a new car, home improvement, or financing college tuition, a second mortgage can help you find the money and save more money than many other loans. Apply online today to contact up to four lenders about your second mortgages choice.


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Second mortgages are tax deductible loans that rely upon the equity you have in your first mortgage to give you borrower credibility that determines your interest rate. A second mortgage works similar to a home equity line of credit except you get all of the money at once… Mortgage calculators are a quick and easy way to get a free estimate of your monthly mortgage payments before talking to a mortgage broker. With a few minutes of your time you can calculate a complete amortizathion table for your loan… A VA Loan, available to veterans of the military, can be used for a variety of purposes. VA Loans are for building a home, buying and ore repairing a home, energy efficiency repairs to a home, and refinancing an existing home loan…
Refinancing your manufactured home loan makes sense if you intend to stay in your home for even as little as three years and or rates have dropped even as little as one percent from your original loan… Refinancing home mortgages is all some mortgage brokers have been doing in the past few years because of continued rate drops by the fed. If you are considering refinancing your mortgage, get up to four competitive quotes from one short form…

Interested in a manufactured home loan? Like many, you have probably become wise to the amazing advancements that have been made in the construction and quality of manufactured homes…

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