2nd mortgages or home equity loans can be either a line of credit in which you receive a checkbook and draw on the funds when you want to use it, or you can just have a stand alone 2nd mortgage in one lump sum.  The home equity line of credit (HELOC) is available with a variable rate tied to the prime rate, whereas the stand alone 2nd mortgage generally can be a fixed rate with terms ranging from 10, 15, or 20 years. 30 year amortizations are available with a balloon payment in 15 years.

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