Unlock Your Home’s Equity
Flexible second mortgages and home equity loans tailored to your financial goals—perfect for accessing funds without altering your current mortgage terms or rates. Ideal for home renovations, debt consolidation, or major purchases.
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Our Program Highlights
Perfect for homeowners needing flexible access to home equity funds:
- Loan Amounts: from $150k with NO Limit
- Geography: Nationwide in ALL 50 States
- Property Types: Residential
- Occupancy: Primary Residence, Second Home, Investment Property, no operating history required on STRs
- LTVs: Up to 90% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)
- DTI: 50-55%
- Credit Score: 660 minimum
Do You Qualify for this Loan?
Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.
You’ll need a 660 score or better to qualify, with flexibility for strong financials.
Down payments start at 10%, depending on credit and loan amount.
You’ll need around 1-3% of the amount you’re financing for closing costs.
Less than 55% of your income should be going to pay debt.
Frequently Asked
Questions
Answers to questions about this loan we heard
from people like you during research.
A Home Equity Loan, often called a second mortgage, allows you to borrow a lump sum of money against the equity you've built in your home. It typically offers a fixed interest rate and consistent monthly payments, separate from your primary mortgage.
For a home equity loan, you can get traditional preapproval or what is called "No doc" preapproval for those who are self-employed. Here is what is required for each:
For self-employed borrowers:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
- 2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
For traditional borrowers:
- 2 years W2
- 2 years personal & 2 business tax returns (If applicable)
- 30 days pay stubs
- 2 months personal asset statements
- Drivers license
You may prefer a Home Equity Loan if:
- You don't want to refinance and change the terms or interest rate of your existing mortgage.
- You require a lump sum for specific projects like home renovations, debt consolidation, or other significant expenses.
- You want predictable, fixed payments separate from your first mortgage.
A Home Equity Loan provides a separate, second mortgage without altering your primary mortgage, allowing you to keep your original mortgage rate intact. A Cash-Out Refinance replaces your current mortgage entirely, potentially altering your interest rate and terms, while providing cash based on your home's equity.
All 50 States, Covered.
Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.
See Our Recent Fundings
We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.



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