Negatively Amortized Loan By Juan Non Qualified Mortgage Contents Years employment mortgage 2 Minimum payment option Costs include lender Unsubsidized education loans. negative amortization: negative Filing taxes separately Credit report? experian Another option is to take a second mortgage, or home equity loan, on the house. This makes sense, especially if interest rates have gone up since you closed the original loan. Post navigation how to get a second mortgage with bad credithow do you purchase a foreclosed home