Second Mortgages
Whether buying, refinancing, or renewing, our competitive rates and personalized second mortgage solutions help you confidently achieve your homeownership goals.
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Second Mortgage Basics
A second mortgage is a loan secured against a property with an existing first mortgage. It allows homeowners to access home equity but typically carries higher rates due to increased lender risk.
What is a Second Mortgage?
A second mortgage is a loan secured against a property that already has a first mortgage. It allows homeowners to access the equity they built up in their home without refinancing the original loan.
Second mortgages typically come with higher rates than first mortgages, as they carry more risk for the lender due to their secondary repayment position.
- Greater Access to Home Equity
- Flexible Use of Funds
- Secondary Loan Position
- Shorter Terms
- Available as a Mortgage or Home Equity Line of Credit (HELOC)
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.