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Second Mortgages

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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A second mortgage is desirable because lenders generally apply low interest rates since the loan is secured by your home. Also, payments on the interest of a second mortgage are tax deductible, allowing you to save money each year. If you need to borrow money a second mortgage may be the best option for you.

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.

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 Through out this draw period interest builds only on the amount you have withdrawn.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.


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  • Expert lenders compete for your busines with low rates and great loan terms
  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Second mortgages are secured by your first mortgage and this often times allows you to get a considerably better rate. If you have paid off your first mortgage you can probably borrow up to 100% of the value of your home for you second mortgage… 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… Loan amortization is something that can be viewed visually in the form of a graph. However, the picture is simple. With every month in which payments are made the amount of interest paid decreases and the amount of principal paid increases…
FHA is a great government program for insuring home loans for individuals with less than perfect credit or lown income. FHA loans are also valuable for the more well to do for the purchase of investment properties with little to no money down… Home improvement loans are popular at today’s low interest rates because you can add value to your home and live more comfortably. Finance your expansions or remodeling today and save money while building towards the home of your dreams…

Interest rates have continued to fall over the past year and house refinancing is still very popular. Expo Financial offers quotes from competing lenders to get you the very best interest rates to be found on the internet or in your area…

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