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Poor Credit Home Equity Loans and Home Equity Lines of Credit with Low Credit Scores. Whatever your credit score, you have two choices for a second mortgage: a home equity loan or a HELOC. A home equity loan is a lump sum payment of part of your equity. You repay it in fixed monthly payments with a fixed interest rate over 20 or 30 years.
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The city’s Homebuyer Assistance Program (HAP) provides mortgage assistance for income-eligible first-time home buyers with the City of Fort Worth.
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