If you are like most homeowners, you probably have a first mortgage loan on your home. Typically, such mortgage loans are for 15 to 30 years, with the monthly payments adjusted so that the loan is paid in full at the end of the term.

As you make monthly mortgage payments and the value of the home increases, your interest in the property - called equity - grows. These types of loans are often called second mortgages because the equity in your home is collateral for the amount of credit you request.

Often time, homeowners may wish to borrow against the equity in their home to get cash, to make home improvements, to educate their children, or to consolidate credit card debts.

Through our alliances with second mortgage lenders nationwide we now offer our second mortgage loans to people with bad credit problems or rebuilding after bankruptcy. Second mortgages allow you to obtain cash advances for quick access to extra money or you can a write check to yourself up to your credit limit.