Second Mortgages

Second Mortgages Direct is offering a free lending service online for American consumers seeking low rate second mortgages with unique guidelines for home improvement loans and bill consolidation. Interest rates are still low and the time is now to take advantage of the equity in your home to pay down high-interest debts or to fund long-awaited projects. Second Mortgages Direct can you help you find the ideal loan package for your individual needs. We offer easy ways to get quotes from the top lenders who specialize in consolidation loans and second mortgages.

If you need more cash or have high interest loans and credit card with compounding interest, then you have come to the right Mortgage Company. Second Mortgages Direct has the experience you need as we have helped thousands of homeowners with making home improvements and debt consolidation.

We offer unique loan programs for:

  • Cash Out Home Equity Loans
  • Cash Out Refinancing
  • Debt Consolidation Loans
  • Home Improvements
  • Flexible Equity Lines of Credit
  • 2nd Chance Mortgage Loans

Refinancing may not be as difficult as you thought and if you have existing debt you should consolidate it with a new fixed rate loan.

We can design debt consolidation loan that can help you save money monthly and accomplish your financial goals. While other lenders are tightening their guidelines, Second Mortgages Direct continues to provide loans up to $300,000 on for mortgage up to 100% of your house value.

Second Mortgages Direct - Get Cash Deductible 2nd Loans Fast

Do you have high rate credit cards payments that are getting out of control?

Do you need cash, but are reluctant to refinance your present 1st mortgage?

Second Mortgages Direct is one of the most respected funding sources for home equity loans online. Give Second Mortgage direct a call and let them will show you the benefit of partnering with home finance leaders.

2nd Loan Purpose: Bill Consolidation, Refinance, Second Home Purchase, Home Construction
Documentation Type: No Income Verification to 80% or Full Documentation for 95%

  • Home Equity Credit Rates
  • Fixed Second Mortgage Rates
  • Variable Rate Revolving Lines
  • Interest Only 2nd Loan Rates
  • Stated Income Second Mortgages
  • Evaluate Second Loan Rates

Frequently Viewed Loans from SecondMortgagesDirect.com

Sub-Credit Second Mortgages - If you have credit problems in the past, we still should be able to find you a loan. Second Mortgage Rates - Our lenders offer both variable and fixed rates for home equity loans.
Home Equity Credit Lines - Set up a revolving credit line today. Refinance 2nd Loans - If you used an 80-20 when you bought your home, you may want to lower your payment and fix the interest rate.
Second Mortgages to 125% - first time homebuyers can get a secure loan offering cash back even if you have no equity. Make Home Improvements - The National Association of Realtors reports that studies indicate making home improvements to better your kitchen and enhance the curb appeal have a positive impact for home appreciation.

Home Mortgage News

Fed Reserve Reports Slowing Housing Markets

Housing markets have simmered and residential mortgage lending has declined in most parts of the country, according to the Beige Book, the Federal Reserve Board's periodic report of economic activity. Except in the St. Louis and Dallas districts, the Federal Reserve Banks reported that new- and existing-home sales declined and inventories of unsold homes rose in June and the first two weeks of July.

The Dallas Federal Reserve Bank reported some "cooling." But demand for housing "remains strong" and home construction and second mortgage activity has been "robust," the district bank said. "As home demand has slipped more generally, scattered reports indicated a strengthening in demand for rental units," the Beige Book says.

Delinquencies Rise: The Wall Street Journal reported that 2nd mortgage delinquencies increased to 1.91%, from 1.85% in the 4th quarter of 2012. Homeowners can use home-equity lines of credit to finance expenses such as home improvements, college tuition and medical bills, or other large purchases. Many home equity lines enable homeowners to pay only interest-only payments in the beginning of the term.

No Equity 2nd Mortgages Beyond of Your House's Appraised Value
Whether you have equity in your home or not, we can help because we used to lend up to 125% of your houses value. For many years, people enjoyed the $25,000 to $100,000 second mortgage loans that did not require equity.

You can take out a Home Improvement Loan and make those cosmetic changes that you've been talking about. In most cases, making home improvements increases the value of your property.

Stop accumulating growing interest debt on your credit cards, and qualify for a loan with fixed, simple interest rates that may offer additional tax savings. As you know, tax deductions are difficult to find. That's why a second mortgage loan from Second Mortgages Direct makes sense. 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 to the mortgage lender: verification of income, employment, assets and other information like obtaining an acceptable property.