A second mortgage is a type of loan that lets you borrow against the value of your home. Your home is an asset, and over time, that asset can gain value. Second mortgages, also known as home equity lines of credit (HELOCs) are a way to use that asset for other projects and goals-without selling it.
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Where to Get a Second Mortgage. You don’t have to get your second mortgage with the lender that gave you your original mortgage; you can get a second mortgage with pretty much any lender. The important thing is to get a variety of quotes, including interest rates and total fees, and compare them.
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