Seek the assistance of a mortgage broker. While many do not provide bad-credit financing, many do have an affiliate who will. Ask them for a reference.

Secondly, have a mortgage broker determine if your credit is really too damaged for any of their programs.

Word of Advice: Many will prefer to re-write the entire loan. Second-mortgage lenders have reduced security by nature of being in the second position. A total refinance may be the route you have to take. Considering the cost of a first and second, it may be the better method.

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