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Why Take a 2nd Mortgage - People take a second mortgage home loan for a number of reasons. Some people take a second mortgage to help them buy a home. Most lenders require a down payment when you purchase a home, and if you fail to put 20% down, you will have to pay something called Private Mortgage Insurance (PMI). if you do not have the money for a down payment, you can take a second mortgage for the value of the 20% you would need to put down. For example, if you are buying a $100,000 home, you can take a first mortgage for $80,000 and a second mortgage for $20,000. This type of financing structure is commonly referred to as an 80-20 loan. You can also take a second mortgage in order to turn the equity of your home into cash. If your home is worth more than you owe, you may want to tap into that equity and use the money to make home improvements or pay off higher interest debt. Home equity loans and home equity lines of credit are alternate terms for second mortgages designed for this purpose. In some cases, you can actually have a home equity line of credit that comes with an ATM card and allows you to use the equity in your home just as you would use a credit card or debit card.

Risks of a 2nd Mortgage - A second mortgage can be risky if home values fall or if you become unable to make your payments for any reason. Equity in your home is designed to protect you against falling values. If you have no equity and your home value drops, you may end up owing more on your home than what it is worth. This can make it difficult or impossible to sell or refinance your mortgage. Furthermore, higher monthly mortgage payments mean that you are at a greater risk of losing your home if your income falls and you become unable to make the payments. While a second mortgage loan can be a useful tool, it is essential that you understand what is a second mortgage and carefully weigh your options and consider the loan before taking out a second mortgage on your home.

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