When my wife and I were discussing what we should do about her mother, we made the decision that she would come to live with us. As we did not have enough bedrooms in the house to accommodate her, I made the decision to have an extra room built onto the house. We did not have all the money to complete this project, but I was able to obtain it by applying for a secured loan. I have used secured loans in the past, and I have never had any problem qualifying for the loan or receiving the money in a timely matter. Because this experience went so smoothly, I was able to get the money from the loan, have the addition built and my mother-in-law moved in with us in only six weeks. Whenever I am in a bind, I know that I can apply for secured loans for extra cash.