2nd Lien Loans

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.

FREE ADU FINANCIAL ASSESSMENT

Turn Your Backyard Into an ADU

Tell us about your project and we’ll review the financing options that fit your property, budget, and timeline.

Free ADU Financial Assessment

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