2nd Mortgage Flow

We look forward to consolidating debt. We just had our first house. It was a Fannie Mae foreclosure we buy through a loan from USDA. We pay $ 58,000 to $ 72,500 estimated home. How long should we wait for a second mortgage and how do we begin? Any help would be great. Thank you assume you will not get any kind of mortgage for this property. Now it is much harder than it had previously. Lenders are reluctant to give credit to the estimated total assets, as happened last year. Ask your bank for a HELOC is available on site. The directors of a loan when you are driving and how you can get a credit limit. For some reason, the question appeared on the website of the UK - United Kingdom, the answer is "no time" = I know someone who has two mortgages - one for the principal of the loan and the other by a "top-up" - at the same time but, the U.S., the rules may be different ..