I know that things are really tight right now but maybe there is hope. I have had great income for the past 3 years which is also when my last late payments occured. I am looking for a place that will do a secured loan, I have titles to lots of cars, bike, boats or would like to refinance my home cause I have lots of equity. Anybody know of lenders like this? Or i should ask, anyone work with a lending compnay like this they would rccomend?