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A: A second mortgage - sometimes called a home loan - involves leaving your first mortgage alone. Instead, you are basically taking out an additional mortgage, usually at a large interest rate than you've got with your first mortgage.

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Second home loans can be very handy if experts need of extra money or want to consolidate your debt is. The interest on an extra loan is always higher than that of the interest on the first mortgage however it may still be lower when compared with the interest of one other loans like credit cards etc. Have to take care when you are thinking about second mortgage loans as you will be putting residence at more risk. Try get an extra mortgage loan that does have a fixed interest rate.