Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to get a second mortgage on your home [title] Understand the risk of a second mortgage. [step] A second mortgage adds to your monthly bills. It comes at a high interest rate because it is a risky investment for lenders, since they would be paid off after the primary mortgage company in the event of foreclosure.

Ending1: In addition, the late fees for both mortgage issuers and lenders are a factor, but a second mortgage is a more favorable solution. [title] Understand that lenders are unlikely to charge for mortgage loans or special loans. Ending2: Seriously consider if you want your house to serve as collateral for this kind of loan. [substeps] Using a second mortgage to pay off a high-interest loan may help you lower the interest you're paying in the short term. Ending3: Most lenders consider second mortgages as risky as non-mortgage loans. [substeps] Because the name " mortgage " is known when the lender says it, it will usually be used when a lender is trying to repay you because it represents value. Ending4: You might be stuck with a home with only a 1% interest rate, but you could save up to $1% if you apply and your home goes into foreclosure. [substeps] Lenders will want to know what you are interested in at the time of foreclosure.

Answer format: ending1/ending2/ending3/ending4