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You can probably get a home equity loan but be care full with those because if can't pay back the loan they take your house.
Pak
See what the banks and other lenders offer you - compare the rates. You can even do this online so that you get a number of lenders bidding simultaneously.
If you know of someone that may loan you the money at a rate lower than the best offer, then you can consider that too. In that case, you can draw up a simple loan agreement with them. However, keep in mind that the interest on a home equity loan is tax deductible whereas a straight loan is not.
Another option depending on your credit is using balance transfer offers from credit card companies. Call them and ask what they may offer you if anything. They usually have two forms of offers: 1) a low rate (some are even 0% transfers for a period of time such as 6 months and then it goes up to the prevailing card rate and 2) a fixed rate such as 5% until you pay off the amount - UNLESS - you are late or miss a payment etc. This option requires more attention to make sure you do not miss a payment and in option 1 you would probably need at least two credit cards that you could move money back and forth over the life of the 'loan' so after the low interest period is over you can switch to the other card. Otherwise once the low rate expires you will have a loan at a very high rate!
intrepid18
I agree with others. You should be able to get a home equity loan depending on much equity you have on your house. Of course, since you have bad credit history, you will of sub-prime status and interest will be high.
rogers_andrew
A HELOC might work depending on your credit. It's basically a loan against the equity on your home. (Home Equity Line of Credit). Talking to your local mortgage broker would be my suggestion.
michaelsaad10
email me, i can help. msaad@apexohio.com
vegas_iwish
As long as have some equity in the house & it appraises ok should be able to get it but rate will be up there.
brownie
What you do is refinance and take money out and they would just add that to your monthly mortgage that's what i did
korr1121@verizon.net
Look online on an online search and put in loans for bad credit and it'll come up with a ton of places and it should be easier since you do own your own home.
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