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Can I get a second mortgage with bad credit?

I am looking for a second mortgage to make some home improvements. I have talked to some of my friends who had it previously. They are telling that it is difficult to get a good rate for a second mortgage with a poor credit (600 FICO) that I currently have. What are my options? Glendale,AZ | Oct 4th 2011
by john.d_...
Answer


by william

There are 2nd's out there, however you do need good credit and your Loan To Value is also taken into consideration... if you have 30% to 40% equity or more, then there's probably a program for you, even with the low score... you can contact me at 480-287-5714... we're a local mortgage company here in Scottsdale... WilliamAcres.com

Oct 4th 2011
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by Zoltan ...

Getting a 2nd mortgage may be difficult even with good credit. You will need to have considerable equity. It may be a better option for you to refinance your current mortgage and get a better rate as well as getting cash out to make the home improvements. Please contact me and we can discuss the various options available. 623-202-3142 or email at zoltan@precisioninc.org.Thank you.

Oct 4th 2011
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by CaPortf...

Regardless of equity you are not going to be able to get a 2nd with a 600 FICO score. ..... Happy funding, Rudi

Oct 5th 2011
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