Second mortgage loans give homeowners a way to access their home equity without refinancing their existing first mortgage. These loans are available as either Home Equity Loans (HELOANs) or Home Equity Lines of Credit (HELOCs).
Home Equity Loan
A fixed-rate, lump-sum second mortgage with consistent monthly payments over a set term. Perfect for homeowners who need a specific amount upfront and prefer predictable payments.
Home Equity Line of Credit
A flexible, revolving line of credit you can draw from as needed, often with interest-only payments during the initial draw period. Ideal for ongoing projects or expenses.
Minimum
$25,000
Maximum
$500,000+
Typically
660+
or higher
Combined Loan-to-Value
85-90%
Up to
Kitchen upgrades, bathroom remodels, additions, and more
Combine high-interest debts into one lower payment
Real estate investments, stocks, or business ventures
Business startup costs, education, or personal expenses
Loan terms, credit score requirements, and available programs are subject to change at any time based on market conditions and program updates. The information above is provided for general reference only. For the most accurate and up-to-date options, please contact Equitable Lending directly.
Let our experts help you choose between a HELOAN and HELOC to meet your specific financial goals
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Customize loan options based on your financial needs, including Second Mortgages and Interest Only Loans.
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We specialize in Mortgage Purchase Loans, Refinance Loans, Reverse Mortgages, 2nd Loans, and HELOCs to find the best fit for your needs.
Bring any other lender's offer to us, and we'll likely beat it for exceptional value and savings on your loan.
From FHA and VA Loans to Jumbo and Non-QM options, we provide tailored solutions for first-time homeowners and investors.
We streamline the mortgage process, ensuring quick approvals and clear guidance at every step.
Our team is available daily from 9am to 5pm for dedicated service and to address any inquiries.
Fully licensed, NMLS 1124483, we are dedicated to ethical practices that ensure your peace of mind.
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"Equitable Lending made my home buying experience seamless. Their expertise in mortgage loans made the process straightforward and stress-free!"
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To get started, visit our website and fill out a consultation form. One of our mortgage specialists will reach out to discuss your loan needs and how we can assist you with FHA Loans, VA Loans, Conventional Loans, and more.
Equitable Lending specializes in a variety of mortgage products, including Mortgage Purchase Loans, Refinance Loans, Reverse Mortgages, 2nd Loans, and HELOCs. We also offer Non-QM Loans and tailored solutions for First Time Home Owners and Investors.
Yes, various government programs provide support for mortgage assistance, including FHA Loans and VA Loans. Our team can help you navigate these options to find the best benefits available to you.
After you decide to proceed with a mortgage, we schedule an assessment of your financial situation. We handle the application process and guide you through the necessary documentation and approvals to ensure a smooth transaction.
After applying for a mortgage, you will receive updates through our client portal. You can track your application status in real-time and communicate with our team regarding any questions you may have.
If you encounter any issues, our customer service team is ready to assist! You can contact us through our website or call us at (877)885-0111, and we will provide support and resolve any concerns you may have.
Yes! If your financial situation changes or you want to pursue additional funding, we can assist you in expanding your mortgage options, including refinancing or adding more loans as needed.
We provide clear guidance on the terms and conditions of our mortgage products. Our team will explain all details, ensuring you understand your options and obligations as a borrower.
Comprehensive lending solutions designed to meet your unique financial goals and lifestyle needs
Discover innovative solutions such as Refinance Loans to suit your lifestyle.
Leverage the latest options like Reverse Mortgages for smart financial decisions.
Explore options tailored for Non-QM Loans including Investor Loans and more.
Let our experts guide you through the perfect lending solution for your unique situation