Question: how to get a loan against your home with bad credit?
Answer: Check your credit report. See what the lenders will see by checking your credit report before they do. ... 
Evaluate your debt-to-income ratio. ... 
3. Make sure you have enough equity. ... 
Consider how much you need. ... 
Compare interest rates. ... 
Use a co-signer. ... 
Consider boosting your credit first.