| Fixed-Rate Home Equity Loans

(closed end second)
Access your equity with predictable paymentsβ€”without refinancing your first mortgage.

Check Your Options Talk to a Specialist
90% Max CLTV
30yr Fixed Terms

Program Highlights

Loan Amounts

$50,000+
(up to $850,000 in top tiers)

Terms

10–30 year fixed options
+ balloon options

Potential CLTV

Up to 90% CLTV
for qualified borrowers

Flexible Income

W‑2, Bank Statements, 1099, WVOE, CPA P&L, DSCR

Occupancies

Primary, 2nd Home,
Investment

Who This Is For

Homeowners

Wanting cash-out without touching the 1st mortgage

Self-Employed

Borrowers needing alt-doc options

Investors (NOO)

Real estate investors looking for DSCR solutions

Documentation We Can Use

Full Doc

Standard W-2s and Paystubs

Bank Statements

12 or 24 months personal/business

1099

For independent contractors

WVOE

Written Verification of Employment

CPA P&L

Profit & Loss statement prepared by CPA

DSCR

For Investors - No income verification required

Property Types We Finance

  • 🏑 Single Family Residence (SFR)
  • πŸ™οΈ Planned Unit Development (PUD)
  • 🏒 Condos (Warrantable/Non-Warrantable)
  • 🏘️ 2-4 Units
  • 🌳 Max 10 Acres

Frequently Asked Questions

Is this a HELOC?
No, this is a distinct loan product. Unlike a HELOC (Home Equity Line of Credit) with variable rates, this is a closed-end fixed-rate second mortgage. You get a lump sum at closing with predictable monthly payments.
What is CLTV?
CLTV stands for Combined Loan-to-Value. It represents the ratio of all loans secured by the property (your 1st mortgage + this new closed end second) compared to the property's value. We allow up to 90% CLTV for qualified borrowers.
Can I qualify if my home was listed recently?
Per our guidelines, properties listed for sale in the last 6 months are not eligible.
Can I do this if my 1st mortgage is Interest-Only or an ARM?
Yes, in most cases we can subordinate to an existing Interest-Only or ARM first mortgage, subject to underwriting approval.
What about investors and DSCR?
We have specific options for investors! You can qualify using the property's cash flow (DSCR) rather than personal income. Max CLTV usually capped at 70% for Non-Owner Occupied properties.

Ready to Make Your Homeownership Dreams a Reality?

Take the first step towards your financial future. Our expert team is here to guide you through every aspect of your mortgage journey.

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Fast Pre-Approval
πŸ’°
Competitive Rates
πŸ›‘οΈ
100% Secure Process
πŸ“ž Call 833-666-7612 βœ‰οΈ Email Us
Response Time: Within 1 hour
Available: 7 days a week
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