Smart Home Equity Loans

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2nd Mortgage

Leave your low rate first mortgage alone and borrow using a second mortgage. Smart Home Equity offers secure 2nd mortgage loans for homeowners who want to use the property as collateral to borrow additional money. We connect consumers with 2nd mortgages and home equity lines of credit for competitive fixed rate refinancing. Many homeowners like 2nd mortgages for cash out rather than refinancing their existing home loan.

2nd Mortgage guidelines have tightened significantly as Lenders are looking for compensating factors, like income and fico score.

Get a Smart Second Mortgage with Flexible Terms

Smart Home Equity continues to offer second mortgage liens to borrowers with all types of credit up to 100%. We offer a unique 2nd mortgage loans that allows borrowers to access money up to 100% of their house value. The 2nd mortgage loan requirements look for fico scores in the high 500's with no mortgage late payments being reported from any mortgage lenders in the last two years.

  • 2nd Mortgage Refinancing
  • Stated Income 2nd Mortgage
  • Subprime 2nd Mortgages
  • Self-Employed 2nd Loans
  • Fixed 2nd Mortgage Rates
  • No Mortgage Insurance
  • Secure 2nd Loan Consolidation
  • No Income 2nd Mortgages
  • First Time Homebuyers OK

People around the country are finding comfort with the fixed interest rates that are offered with 2nd mortgages. Pay off bills combine adjustable rate loans into a new fixed rate loan.

Additional Home Equity Options from Smart Home Equity
Home Equity Loans
Get money quickly with and equity loan and you don't have to refinance your 1st loan
Second Mortgage Refinance
Consolidate equity lines with a fixed rate mortgage.
Home Equity Credit Line
Revolving credit that can be accessed as cash against home equity.
Interest Only Home Equity
Stated income home equity loans that require little or no income documentation
Home Equity Loan Refinance
Home equity loan refinancing with fixed rate terms.
Debt Consolidation Loans
Consolidating credit card debt will save you money!


Fixed Payment Home Equity Loans

Utilize your home equity!
Sub-Prime Equity Loans
No Doc Home Equity Loans
Most homeowners are getting wise to adjustable rates, but if you have put off consolidating your credit cards or variable line of credit, take a minute and discuss a fixed payment home equity loan that could save you quite a bit of cash over the years.
Cash Back Equity Loans
100% Home Equity Loans
Interest Only Equity Credit Lines

Pay interest as you use!
Home equity credit lines offer so much strength to homeowners when just considering their potential. They are great for investing or emergencies and you only pay interest when you use the line.
Home Credit Lines
Home Improvement Loans

Finance Home Remodels

Homeowners should stop using their credit cards to finance home improvements because the interest rates for fixed rate home equity loans are much lower & they will be able to borrow more to get their projects done right the 1st time.
Pool Construction Loans

Home Construction Loans

Build a New Home!
Building a new home is not as cumbersome as many homeowners believe. Smart Home Equity works with construction lenders that provide financing and hard money loans.

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Home equity loans are subject to lender and underwriter approval. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Disclaimers
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