HELOCs And Second Mortgages, Smart Equity Access

Home equity lines of credit and second mortgages let you tap into your home’s value without refinancing your existing first mortgage. They can be a clean way to handle projects, debt consolidation, or future opportunities.

Fast facts

• Typical minimum credit score: Varies by product, often mid 600s and up for best pricing.
• Typical equity needed: You usually keep your total loans at or under a set percentage of your current value.
• Property types: Primarily primary residences, with some options for second homes and rentals depending on the program.
• Manufactured homes: Depends on the specific product. We confirm based on your property and chosen program.
• Rate types and terms: We have flexible lines of credit and fixed term seconds. Most people choose something that keeps their main mortgage untouched and uses the HELOC or second for the extra need.

Best fit for you if

• Your current first mortgage rate is already low and you have a lot of equity in your property.
• You want to remodel, add an ADU, or tackle a project.
• You want to clean up higher interest debt.
• You like the idea of a line you can draw on as needed.

Big perks

• Keeps your existing first mortgage in place.
• Options for fast digital approvals with automated value and income checks.
• More structured full underwritten options for complex situations.

Keep in mind

• HELOCs and seconds use your current home value, not a future value.
• The way payments work can be very different between a line and a fixed second.
• We help you compare HELOC versus refinance versus renovation loan so you can see the total picture.