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If you are using your home as collateral, then this can actually be called a 2nd mortgage, when would use the equity with your home to secure the loan. This is frequently done inside a bank, or mortgage loan office.
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A lender lends money to those that they believe are going to repay them earlier. That is the basis of banking institution. If you want to get approved for a large unsecured mortgage loan you preferably should provide the assurance towards the lender that you will make your repayments period.