http://www.msn.com/en-us/money/realestate/pros-and-cons-of-a-second-mortgage/ar-AAgZj0E
If you have the cash sometimes you still want take a mortgage out here are a few things to think about right now.
Pros
Quick access to cash with favorable interest rates.
Ability to take on home improvement projects.
Cons
Fees associated with taking out a second mortgage
Risking your home.
Frivolous spending can lead to more debt.
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