For investors, self-employed borrowers, or clients with unique income situations, Non-QM Second Mortgages are a smart tool to access home equity without disturbing a low-rate first mortgage.

Whether you're looking to fund a renovation, invest in another property, or simply need liquidity, second mortgages offer a flexible, fixed-rate alternative to HELOCs or cash-out refis.

Program Highlights:

• ✔️ Credit scores down to 660

• 💰 Loan amounts up to $750,000

• 📄 Income docs: 3 & 12 month bank statements, P&L, DSCR, 1099, WVOE, Asset Depletion, 1-Year Self-Employed

• 🏠 Eligible properties: Owner-Occupied, Non-Owner, and Second Homes

• 📊 Up to 85% CLTV

• 🕒 Fixed terms available: 10, 20, or 30 years

• ✅ Non-warrantable condos OK

Why It Makes Sense:

• Access cash without refinancing your low-rate first lien

• No mortgage insurance required

• Fixed-term second mortgage rates often beat HELOCs

• Use as a down payment tool when paired with a first lien on a purchase*

• Ideal for large expenses: home improvements, education, medical, etc.

• Available for Purchase, Rate/Term Refi, and Cash-Out

Happy to answer questions or help structure scenarios for your deals. DM me  if you'd like to explore how a second mortgage can unlock equity and increase flexibility in today’s market.