What is the minimum credit score needed to qualify for a second mortgage, or home quity loan?My wife and I bought our house last month. My father in law paid cash for the house, because our credit is not the best, and we signed a purchase agreement with him to repay the loan. We want to do some improvements to the house. What is the minimum credit score needed to qualify for either a second mortgage or a home equity loan?May 04 2012 - Lake Havasu City00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.