When you bought your home, your credit rating may have been in better shape than it is now - but maybe now your only way out of the debt hole you are in is by pulling out some home equity. Don't refinance your primary mortgage - preserve that good rate - consider taking out a bad credit second mortgage. A bad credit second mortgage, when taken out for debt consolidation or payoff, can be a great option to help you out. The fees will be relatively low - and many loan companies require proof of payoff so you won't be able to spend that money on anything but what you really need it for.
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