Good lender for a 2nd

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My scores are low to mid 600. The only negative I have are two medical collection one for 150.00 and one 456.00 that I am disputing. My scores are low because(I think) I have high cc balances. I want to borrow 40k which would bring my ltv to 90%

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From my experience, you will need a 620 mid score to get a 90% CLTV* loan.



When you total the first and the 2nd mortgage, the percentage of the value of the home. So. home is worth 140K, first loan is 86,000, and you add a 40,000 2nd mortgage, you have a combined loan of 126,000-90% of the value of your home.

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