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Can I get a "secured" personal loan?
Hello. I am considering getting a small ($3500-$5000) personal loan to consolidate debt, lower my monthly payments, and help me get back on track. A lot of the personal loans I've looked at are "unsecured" so their interest rates are pretty high. I was wondering if there are "secured" personal loans. I own a house which I could use as collateral. I don't think I'd qualify for an equity type loan though, my house is worth about $10,000 less than what I owe on it.


Any recommendations on where to look for a loan? I am going to check out our local banks, but I know there are many online banks as well.

Thanks in advance.