Second-position fixed-rate loan lenders in NorCal?
I have a SFH rental in Northern California with a $200k HELOC balance (in second lien position). My first is a 7/1 ARM at 2.684% and one year into the term.
Are there any lenders that would refinance my HELOC into a fixed-rate equity loan, preferably with a 30-year term?
I'm trying to avoid a cashout refi combining first and second given where rates are. But, they're rising, it'll take me a long time to paydown the HELOC and I'm open to ideas!



