WASHINGTON， June 20 (Xinhua) -- The U.S. FBI on Monday released partial transcripts of the 911 phone calls made by Orlando "lone wolf" shooter Omar Mateen during the Pulse nightclub attack which left 49 people dead and 53 wounded in the worst mass shooting in U.S. history.

"I let you know， I'm in Orlando and I did the shootings"， the transcript read.

During the three phone calls with the police， Mateen， with Afghan origin but born in America， pledged allegiance with the Islamic State， demanded the U.S. "stop bombing Syria and Iraq"， as well as expressed solidarity with the Boston marathon bombers and an American suicide bomber in Syria.

The transcripts noted that Mateen identified himself "as an Islamic solider"， repeatedly spoke in Arabic and gave reference to God. However， FBI redacted the name of the IS and other extremists from the issued transcripts， saying the bid is to avoid putting the victims through any more pain and so as not to further the extreme group's propaganda efforts.

The records showed the 29-year-old gunman made the first call at 2:35 a.m. on June 12， while holding more than a dozen people hostage in the club's bathrooms. He spoke Arabic when pledging allegiance to the extreme "Islamic State" group during the 50-second call.

The shooter made the first call in "a chilling， calm and deliberate manner，" said Ronald Hopper， FBI assistant special agent in charge in Orlando during a news briefing alive on multi TV networks.

Mateen later called 911 again and talked with a crisis negotiation team for 28 minutes， indicating there might be explosive devices on hostages.

That's when Orlando police chief John Mina gave the order for a SWAT team to make entry. They rescued several people by knocking out a hole in a bathroom wall with a battering ram before Mateen came out with a Sig Sauer MCX rifle as well as a handgun for a final and fatal gunbattle.

Asked if the gunfire killed hostages， Mina told reporters the nightclub shooting deaths are "on the suspect and the suspect alone."

Meanwhile， the FBI official reiterated that there is no evidence that Mateen was connected to an Islamic terrorist group， saying the gunman was "radicalized domestically，" adding that neither the audio nor full transcripts of the shooter's phone calls will be released.

So far the FBI has received more than 1，000 tips， conducted over 500 interviews and processed over 600 pieces of evidence in the Orlando shooting investigation.

After eight days of the shooting， as many as 18 wounded remain in hospital， four of them still in critical condition. Enditem

2nd Mortgage Loan After Bankruptcy - Understanding The Basics

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Getting a 2nd mortgage loan or home equity loan after a bankruptcy is workable. However, loan applicants should be aware of certain disadvantages to bad credit loans. A bankruptcy is destructive to credit scores.

In reality, many financial experts discourage bankruptcies. Those who file Chapter 7 or Chapter 13 are subjected to higher finance rates on homes, cars, etc. Before applying for a 2nd mortgage, know what to expect and understand the basics of getting a reasonable rate.

Expect Higher Finance Fees or Interest Rates

After a bankruptcy, many people are hesitant to apply for credit. They expect higher rates, which will also increase monthly payments. However, obtaining new credit accounts is crucial to re-establishing and building credit history. On the other hand, getting a lender to approve a credit card application after a bankruptcy is challenging. For this matter, some people choose to get a 2nd mortgage loan.

Getting approved for a 2nd mortgage following a bankruptcy is easier because the loan is secured by your home or property. Thus, if you stop paying on the loan, the lender may claim your property and resell it to recoup their loss.

While these loans are great for improving credit, applicants should not expect the best rates. Traditionally, 2nd mortgage loans have higher rates than first mortgages. However, if you have a recent bankruptcy, anticipate above average rates. To avoid a huge monthly payment, borrow a small amount of money.

Another option involves borrowing money, and depositing the funds into a savings account. Over the course of six months, repay the lender using the deposited funds. This way, you improve credit history and avoid the risk of not being able to repay the loan.

Using Sub Prime Loan Lenders For Best Rates

Applying for a 2nd mortgage with your current lender may not be the best option. If you obtained your first mortgage with good credit, the lender may not approve your loan application following a bankruptcy. Instead, contact several sub prime lenders. Sub prime lenders approve loans for all credit types. Hence, applicants can get approved after a bankruptcy, foreclosure, repossession, etc.

Furthermore, sub prime lenders usually offer better rates than traditional mortgage lenders or banks. Online mortgage brokers can help you find a bad credit or sub prime lender. Moreover, brokers offer applicants various loan options. As a result, loan applicants can select the lender offering the best rate and loan terms.

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