need to get a home equity loan , the house is paid for .but my credit is bad and i need the money right away ,what can i do?

Home equity loans are not being handed-out like they used to be because in the event of default it's always the second lien holder that takes it in the shorts and doesn't get any of their money back. Unlike a first lien holder that gets at least a majority of their money back through the foreclosure sale and mortgage insurance. Your credit issue will work against you, so shop around and don't take just anything. You don't want a loan with bad terms just because they are the only ones that will lend to you. You'll end-up in more financial trouble than you are now.

Call me, I am in Monmouth County - lets talk - 732 489 9598 www HOMEMORTGAGExpert.com Peter Savino

It depends on how "bad" your credit is. If you want, call me at the office and I can go over your optionsDave Pressel732-348-5397

Will all depend on how bad your credit actually is, We offer cash-out programs down to 560 credit score (most brokers / lenders require 640+). Send me e-mail: carlos@keypointmtg.com or call our office at 908-516-2190 and speak to one of our experienced loan officers. We are local, Summit, NJ and can set up appointment at your home.

There can be options but we would need more information to form a solution for you.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com for ano cost no obligation analysis of your situation. Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com We are also proud Homes for Heroes affiliates!

Private lender. Contact me at 503-620-2239.

First, don't assume. I have people every week who tell me they have bad credit, and they do. On the other hand, I also have people who tell me they have bad credit, but the scores, while weak, are acceptable enough. Contact a local mortgage broker in your area. Give them a full application, and see where it goes.

First, know exactly where your credit is. Then, start with the place you do you banking or a local mortgage banker who handles HELOC's, see what they can do for someone with your credit profile. If your credit is bad enough you will have very few options other than a "hard money" lender or a finance company. Make sure that you have a plan to get your credit back where it needs to be or you could end up loosing the house.

How do you define bad? what is your fico score? do you have collections, charge offs etc? You mght want to get a free credit report and see your credit history, it may not be as bad a you think.

You can get a HELOC on a home that is paid for. However, you will need the credit scores and income required to qualify

I would need more info in order to determine what your best course of action is. I have helped a few people in similar situations. Call me, Peter Botros, 347 231 4444 or email me a detailed explanation of your situation PBotros@OmegaLoans.net

My house is paid in full. Its only four years old. We have bad credit can we get a loan.