Access your equity — without touching your low-rate first mortgage.
If you refinanced years ago and locked in a great rate, a 2nd lien lets you borrow against the equity you’ve built without restarting your 1st mortgage. Choose a fixed-rate 2nd or a HELOC, on owner-occupied or investment properties.
Property types: SFR, condo, and multifamily; owner-occupied or investment.
Good for — construction, ADUs, renovation, debt consolidation, and self-employed borrowers who need flexible income documentation.
Since 2009 — 15+ years structuring 2nd lien and equity-based financing.
See full 2nd lien options & apply
2nd Lien Loans has a dedicated site with the full loan application and an options breakdown.