You would have to borrow from a private individual or a “hard-money” lender. They advertise in the classified section of the newspaper. The banks will not trust you a 2nd time since you already fell behind once..

Yes sir it definitely is. In fact you can acquire a mortgage with a poor credit score and as a matter of a fact even after filing for bankruptcy. There are tips and hints that guide you in terms of where to locate these. I found a great article that helps in getting a new home loan for bad credit.

it depends on what your scores are and how many times you were late in the last 12 months in addition to how many days late you went. If you went 60 + days late then you’re probably out of luck.

No and what you are saying you want to do with the equity if you did get it is a sure way to snowball your problem into an even bigger disaster