Solution for bad credit loans

Our house is under mortgage for several years now. I have been paying it on time but not for the last two years that makes it become bad credit loan. An unfortunate event happened and I couldn’t afford to pay the mortgage loan on time. It has been so hard since then. I don’t really want to be in a situation of bad credit but we cannot control such circumstances in life. I want to gain back my good record so I started to search for the best possible solution. I also seek out help from my friends and family. One time I received a call from one of my friends and invited me for a coffee. During our conversation she mentioned that she also experienced to have a bad credit scores. She knew of a site that could help me so as soon as I got home I searched the site she gave to me. I find the site very useful and I learned a lot about the factors, risks and variations that I need to consider should I decided to apply for a second mortgage which I will definitely take a look at first before I finally made my decision. I want to make sure that this time I will be able to pay on-time though I believe that a second mortgage loan is the best solution for my current status.