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2nd home 2nd lien 2nd mortgage antiguas segundas hipotecas bankruptcy cerb charge off charged off charged off mortgage countrywide credit scores debt free heloc help hipoteca segundaria hipoteca vieja hoa hud line if credit modification old 2nd lien old 2nd mortgage old heloc old loan old mortgage partial claim quiet title real time resolutions refi after bk refinance refinance after chapter 7 refinance alternative second home segunda gravamen segunda hipoteca segunda hipoteca vieja shared appreciation shared equity specialized loan services tax zombie debt