What about a second mortgage. Are you saying that you can't afford to refinance because of the lack of equity in the home. If that is the case then an unsecured loan is going to cost you a significanlty higher rate.
What about using a FHAB 203K refinance where you can borrow up to 96.5% of the FINAL appraised value of the home after im provements.Look at my website for more information on that loan. I am not sure if I am giving you the right information as you really haven't explained why you do not want to refinance your existing mortgage.
Cornerstone Lending Inc
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