To get a bad credit second mortgage loan quote is fairly easy but whether or not you want to actually do this is another matter. You only want to consider something like this unless you are absolutely desperate in my opinion. Taking something out like this when you already have bad credit will more likely give you more trouble in the end but if you are able to budget it correctly and use it wisely, this way of refinancing could also help you get out of the debt that you have found yourself in. As long as you are cautious and consult a financial advisor before getting the loan, it could help you get back on track.