Use your equity. Keep your rate.
HELOC, fixed-rate HELOAN, and standalone second mortgages — without disturbing the low rate on your first lien.
If you locked in a great first-mortgage rate, refinancing to pull cash out is usually the wrong move today. A second lien lets you tap equity for renovations, debt consolidation, tuition, or investment — while your first mortgage stays exactly where it is.
- Lines and loans from $25,000 to $500,000 (higher case-by-case).
- Up to 90% combined loan-to-value (CLTV).
- Owner-occupied, second home, and investment property eligible.
- Interest-only HELOC draw periods available.
- Fast-track underwriting — many closings inside 2–3 weeks.
- Use proceeds for renovations, debt payoff, tuition, or a down payment on the next property.
Revolving line of credit — draw what you need, when you need it.
Lump-sum second mortgage with a fixed rate and predictable payment.
Lump-sum second lien with a lower start rate that adjusts over time.
Piggyback or stand-alone second liens up to 90% CLTV.
Good to know
A HELOC is a revolving line you draw from over time at a variable rate. A HELOAN is a one-time lump sum at a fixed rate. We'll model both against your goals.
No. A second lien sits behind your first — your existing rate and term don't change.
Most programs go up to 90% CLTV, so if your first mortgage is at 70% LTV you can typically access another 20% of your home's value.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.