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Additional Details
My credit score is 700 I dont have bad credit! I have a couple things paid off that are in the thousands, like my wedding ring. I only have 2 credit cards with ... |
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cali | Can i get a 2nd on my house with a credit score of 490? |
i need to pull out 40-50k |
 |
 
SCCRealEstateUNCENSORED.com
|
The simple truth is that you will NOT be able to get a second loan. Your score is unfortunately too low. Even if you had 200K in equity you would not be able to do it. It does not depend only on how much equity you have but most importantly your score as well.
Try working on your credit, DO NOT believe companies that tell you that they will fix your score for a fee. You can do it on your own. All you need to do is get educated on how to do it. Here is an article from www.ftc.gov that talks about how you can fix your credit on your own without any credit repair companies.
For more information on this article visit to www.Jrealestate.blogspot.com and read the article titled "Credit clinics, can they really help?". You will find it in the December 2005 issue
Sorry,
Good luck |
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Bulldog4T
|
I'm a loan officer and I've worked for 3 mortgage brokers. I've had contact with many lenders. As far as I can tell you, no you wouldn't be able to take out a 2nd loan. To get a second loan on your home, your credit score has to be substancial. I'd say at least in the low 600's. However, if you have a lot of equity, you may be able to refinance your home and pull out the cash that way. |
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aa
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no way |
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steelerspride24
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Probably not. And if you can, don't, the rates will be astronomical. |
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drunkenoldman
 |
Probably not the way your score is now...... but I have good news. I can help you with your credit problem. check out my website at:
www.ercredit.com
or call me toll free: 1-888-830-7991.
trust me, you'll be glad you did. |
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Mama Pastafarian
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With that low of a credit score, it is highly unlikely that anyone will give you a loan on the house, even with a lot of equity.
Sorry. |
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jacksaw
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are you looking for secured or unsecured loan |
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BTB 10/04/08
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probably not.... |
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cmassaget
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uh more than likely NO. |
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