Equity Lending Programs

Keep Your Low First Mortgage Rate. Access Your Equity Today.

Closed-end second mortgages and HELOCs — flexible documentation, fast approvals, no need to refinance.

$850K
Max Loan Amount
90%
Max CLTV
640
Min FICO
50%
Max DTI
10–30
Yr Fixed Terms
Program Highlights Second Mortgages & HELOCs
Cash-out without refinancing — preserve your existing first mortgage rate
Closed-end second mortgages and HELOCs available
◆ Up to 90% CLTV
10, 20, and 30-year fixed terms
Standalone or piggyback structures
No reserves required
◆ Purchase, refinance, and cash-out options
◆ Loan amounts up to $850,000
Alternative Documentation No Tax Returns Required
Bank Statement Loans 1099-Only Income P&L Statements Accepted DSCR — Investment Properties No Tax Returns Required
Eligible Property Types
Primary Residence
Owner-occupied homes
Second Home
Vacation & seasonal properties
Investment Property
DSCR eligible, no income docs
Put Your Home Equity to Work
Speak with a loan specialist about your eligibility today.
Get Started
This is a general overview of loan program guidelines and does not constitute a commitment to lend. All loans subject to underwriting approval. Terms, rates, and eligibility vary by state and borrower qualification.