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If you’re in need of quick cash, a second mortgage could be the answer. It can be used as a loan for things like home renovations.

What is a second mortgage?
It’s also called a home equity loan. It lets you borrow money using the reserves from the equity built up in your home.

How can you qualify?
The more equity you have, the more you can get in cash. Lenders typically want to see that you have at least 20 percent equity built up.

Why take out a second mortgage?
If you need to consolidate debts or fund a project, this loan could help you. You can often get a lower interest rate than with other loans or credit cards.

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