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Use your home's equity for home improvements, debt-consolidation, or other major expenses without affecting the low rate on your first mortgage. 

1. Receive a lump-sum of cash at closing. 
2. Home Renovations: Upgrade your home with new kitchens, bathrooms or other improvements. 
3.  Build an additional Accessory Dwelling Unit (ADU)
4.  Debt Consolidation: Pay off high credit card debts with a lower interest rate loan. 
5.  Education Expenses: Fund college tuition or other education expenses. 
6.  Medical Bills: Cover unexpected medical expenses.

Benefits of a closed-end second mortgage: 

1. No impact on First Mortgage - The terms of your first mortgage remain unchanged.  
2. Competitive Interest Rates - Enjoy low rates tailored to your financial situation. 
3. Fixed Interest Rates - Fixed monthly payments making budgeting easier. 
4. No Prepayment Penalties. Pay-off your loan early without extra fees.
5. Loan Term - 10, 15, 20 to 30 Years. 

Call, email or text me to see how it works and find the right solution for you.