Unlock your home's equity
Access a lump sum against your equity with a fixed-rate second mortgage without changing your current mortgage rate. It is ideal for renovations, debt consolidation, or major purchases.
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Access your equity, keep your mortgage.
Perfect for homeowners who need flexible access to their home equity without changing their first mortgage.
Property Types
Residential
Occupancy
Primary, second home & investment
Structure
Fixed-rate second mortgage
Keep Your First Mortgage
Borrow against your equity without refinancing or changing your current rate.
$150K+
No maximum loan amount
Financing up to 90% LTV
Tap Your Equity
Borrow a lump sum against your equity without refinancing your first mortgage.
NationwideAvailable Nationwide
Available in all 50 states.
Common-Sense Qualifying
Approval built around strong borrowers, not just a checklist.
From 10%
Down payment
50–55%
DTI
660+
Credit score
Do you qualify for this loan?
Here's what you need to qualify. Even if you don't meet every criterion, reach out. We'll help you find a path that works.
660+
Credit
You'll need a 660 score or better to qualify, with flexibility for strong financials.
From 10%
Down Payment
Down payments start at 10%, depending on your credit and loan amount.
1–3%
Closing Costs
Plan for roughly 1–3% of the amount you're financing to cover closing costs.
Under 55%
Debt
Less than 55% of your income should be going toward paying debt.
Frequently asked questions
Answers to the questions we hear most often about home equity loans.
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.
Still have questions? Talk to a real person on our team.
Start My ApprovalRecent Fundings
We are committed to helping individuals and families achieve their homeownership goals.
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Location:
Chatsworth, CA
Closing amount:
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Project name:
Bank Statement
Location:
Key West, FL
Closing amount:
$3,500,000
Project name:
Bridge Loan
Location:
New York
Closing amount:
$3,000,000
Project name:
Bank Statement
Location:
Colorado
Closing amount:
$2,400,000
Project name:
Single Family Home
Location:
FL
Closing amount:
$2,200,000
Project name:
Bank Statement
Location:
Brigantine, NJ
Closing amount:
$2,135,000
Project name:
Bank Statement
Location:
Escondido, CA
Closing amount:
$2,000,000
Project name:
Bank Statement
Location:
Stratton, VT
Closing amount:
$1,904,000
Project name:
Bank Statement
Location:
Chatsworth, CA
Closing amount:
$1,800,000
Learn before you borrow
Guides and insights to help you qualify with confidence and pick the right program.
Ready to get started?
Talk to a real person from our team right now.