Step 3: Complete a Midwife Education Program. A student who wants to earn AMCB certification as either a CNM or a CM must complete a graduate degree program in midwifery that's been accredited by the Accreditation Commission for Midwifery Education (ACME).
A second loan, or mortgage, against your house will either be a home equity loan, which is a lump-sum loan with a fixed term and rate, or a HELOC, which features variable rates and continuing access to funds.
A short sale can only happen when all lien holders on the property agree to the short sale. Lenders holding second mortgages on the property (such as home equity lines of credit or piggyback loans) are also taking a loss on the sale.