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Tap Into Your Home’s Equity — Without Refinancing
Full Doc Fixed Second Mortgage – Up to 85% CLTV
Need extra funds but don’t want to touch your low-rate first mortgage? Our Full Doc Fixed Second Mortgage allows you to borrow up to 85% CLTV while keeping your existing first loan intact. Whether you’re looking to renovate, consolidate debt, invest, or cover other major expenses, this program gives you access to loan amounts from $75k to $500k, with DTI up to 50% and credit scores starting at 660.
With fixed terms of 10, 15, 20, or 30 years and availability in 45 states, this is a smart, stable way to unlock your equity — without starting over.
FAQs
Do I have to refinance my first mortgage?
No — this is a second mortgage, so you keep your existing first mortgage in place.
What type of documentation is required?
Standard full documentation is required (W-2s, tax returns, etc.), similar to a traditional loan.
Is an appraisal required?
Automated Valuation Models (AVMs) are allowed for loans under $200k if the model returns at least 80% confidence.
Need Funds Without Losing Your Low Interest Rate?
Many homeowners today are sitting on valuable equity but hesitate to refinance — especially if their current rate is lower than what the market offers. That’s where this second mortgage shines. You can borrow what you need without sacrificing your first loan’s terms, saving you from higher monthly payments or closing costs.
Whether you're upgrading your home, funding a business, paying for college, or consolidating high-interest debt, our second mortgage gives you the flexibility to act — without starting from scratch.
Why Choose This Full Doc Second Mortgage
This program offers a fixed-rate structure for predictability, competitive terms, and generous credit flexibility — all while allowing you to tap into your home’s value without a full refinance. With up to 85% CLTV, DTI ratios up to 50%, and loan terms up to 30 years, it’s an ideal solution for long-term planning and immediate needs alike.
If you’re ready to make the most of your home’s equity without disrupting your existing mortgage, this is the program for you.