There are many more solutions available to home owners today, than there were years ago. There are a variety of options for credit consolidation, as well as home mortgage refinancing and home equity loans. Formerly known as a "second mortgage", a home equity loan can solve a multitude of problems by allowing your home to work for you. An experienced mortgage broker refinance your home using equity loans that will aid with debt consolidation and pay off bad credit loans. We can even help you avoid the most desperate home foreclosure scenarios by helping you refinance home loans to lower your mortgage payments to a more manageable figure. more... See more text