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
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
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