Bad Credit 2nd Mortgages provides flexible loan programs with Low mortgage rates for Debt Consolidation, Home Improvement or Cash Out. Because we are a direct mortgage lender, we can offer programs in 49 out of 50 states. We have 12 years of the expertise you need to get the most competitive mortgage rate online.

2nd Mortgages

  • Fixed Rate Loans
  • Low Monthly Payments
  • Borrow up to 125% of your home's value.
  • Cash Out for Debt Consolidation
  • Cash Out for Home Improvement

There is no equity required for a home equity loan or second mortgage. Financing is available up to 125% loan to value. Your home is eligible for a loan, even if the first mortgage is the same as the home's value.

Debt Consolidation Loans

  • Loans for All Types of Credit
  • Consolidate all of your Bills into One Low monthly Payment
  • Eliminate High interest Credit cards
  • Reduce your monthly payments

Home Equity Loans

  • Fixed Simple Interest Loans
    Debt Consolidation
  • No Income Verification
  • Cash Out for Home Improvement

Tax Savings - The interest portion of a home equity loan or second mortgage may be tax deductible up to $100,000 loan amount. Check with your tax advisor for current details. The tax savings from a debt consolidation loan can be substantial when compared to non-deductible monthly debts.

Home Equity Lines of Credit

  • Fixed or Adjustable Rates
  • Borrow up to 100% of your home's appraised value.
  • Cash Out for Debt Consolidation Home Improvement


Loan Terms - You have the option of of making interest only payments, or paying down the principal, so you can have your loan paid off quicker. You can also use part of your loan to make home improvements, or receive cash for personal use. Loan programs offer a choice of terms from 5 to 25 years. The minimum loan amount is $15,000.

With our 2nd mortgages you are able to consolidate multiple, high-interest credit cards and loan payments into one, lower monthly payment. You can Save Thousands of dollars a year!

*Your Loan approval is subject to submitting an application: income verification , employment, and other information like obtaining an acceptable property.

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