Third Mortgages
Whether buying, refinancing, or renewing, our competitive rates and personalized third mortgage solutions help you confidently achieve your homeownership goals.
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Third Mortgage Basics
A third mortgage is a loan secured against a property with existing first and second mortgages. It allows access to additional equity but comes with higher rates and stricter terms due to increased lender risk.
What is a Third Mortgage?
A third mortgage is a loan secured against a property that already has both a first and second mortgage. It allows homeowners to access additional equity, but it typically comes with higher interest rates and stricter terms due to its increased risk for lenders. In the event of a sale or foreclosure, a third mortgage is repaid only after the first and second mortgages have been settled.
- The Greatest Access to Home Equity
- Flexible Use of Funds
- Short Terms
- Higher Interest Rates
- Need a Firm Exit Strategy in Place
Mortgage Calculator
Our mortgage calculator helps you estimate monthly payments, compare loan options, and understand borrowing costs. Use it to plan your budget and make informed decisions about your property financing.
Flexibility
Our team delivers personalized financing options tailored to your unique needs.
Speed
We provide quick approvals and fast processing, ensuring you get the necessary financing without unnecessary delays.
Experience
Count on our expertise to navigate the mortgage process with confidence and ease.
What Our Clients Say Headline
Our clients love our transparent approach to mortgages. Their positive experiences show how we’re dedicated to helping you every step of the way!
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“I’ve used Ryan’s services both personally and professionally and he and his team have provided excellent, attentive service and products every time. Recommended for your financing needs, and especially for your less than conventional deals!”
Shannon M.
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“We have worked with Ryan and his team twice for both of our home purchases. He was thorough with answering our questions, timely in his communication, and helped us get a great rate on our recent purchase.”
Erin W.
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“Truly, the best possible mortgage experience that I could have. Both Ryan and Allison were incredibly responsive and were able to move on the opportunities much faster than a bank could have. They are both highly intelligent people and I strongly recommend their services.”
Aaron P.
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“We’ve just had our second mortgage placed by Ryan and Scott, and could not recommend their services highly enough. Although the rates they have managed to leverage on our behalf have been excellent (and will be the primary focus of many clients), there is substantial value in the time that they take to explain the process, educate us as to why we are going to place with a specific lender and keeps on top of all offers and incentives that are available. Response time to questions matches the quality of their responses is absolutely outstanding. You’ll have absolutely no regrets in engaging Ryan for your mortgage application/renewal.”
Matthew E.