The best replacement for 2nd mortgage is home equity loan.

The best alternatives to 2nd mortgage are rated as following:
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★★★  refinance
★★★  heloc
★★  line of credit
★★  pmi
★★  home equity line of credit
★  refinancing
★  equity line
★  home equity
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  1st mortgage
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Speaking about 2nd mortgage, one probably shouldn't forget about harp.

Other search terms related to 2nd mortgage and their ratings are:
★★★★★ harp
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2nd mortgage
home equity loan
refinance