Second Mortgages

Fixed-Rate Second Mortgage Options for Homeowners

This is perfect if you have steady income and good credit.

• • Fixed rates with terms of 10, 15, 20, or 30 years

• • Borrow between $50,000 and $500,000

• • Use up to 85% of your home’s value

• • Minimum credit score: 680

• • Works on primary and second homes

• • No mortgage insurance required

• • Simple income documentation (only one year needed)

This option gives you predictability and peace of mind.

Flexible Non-QM Second Mortgage Solutions

• • Loan amounts up to $500,000, with up to $4 million total across both loans

• • Use up to 90% of your home’s value

• • Income options include:
    

     

    • • Bank statements
    • • 1099s
    • • Asset-based income
    • • Employment verification only

• • Available for:
    

     

    • • Primary homes
    • • Vacation homes
    • • Rental properties

• • Investor loans allowed — even without personal income (DSCR)

• • Foreign nationals welcome

This option is great if you’re self-employed or investing in real estate.

Properties Eligible for Second Mortgages

• • Single-family homes

• • Townhomes and condos

• • Two-unit homes (for primary residences only with fixed-rate option)

• • Properties held in an LLC (Non-QM option only)

Get Help Choosing the Right Second Mortgage Option

We’ll help you figure out which path is best for your goals.

                                                                          Apply Now or Call us at  (561) 312-7777