My thought would be that, at least in my area of the world, it would be rare for someone to have enough equity in their home to be able to get a 2nd lien loan for over $250,000. My guess is that's the line of the "quality edit'...(it's not showing up as an actual error is it?). Obviously, for those with more expensive homes, it's not impossible, but again, i'd say it's rare-ish, depending on where you live.
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I'm fixin' to fix that.