How does a Second Mortgage work?
Instead of refinancing your first mortgage into a higher market rate, access your home’s equity with a “second”. This will ensure that the rate on your first mortgage doesn’t change.
You have TWO options to accomplish your goals
No Obligation Quote
Get a no-hassle online rate quote in just minutes, with no impact to your credit. There is no catch!
100% Online Process
From “apply” to “approved” to closing, do everything online. No meetings, printing or scanning!
Close in 5-days
Depending upon the program you choose (HELOC or HELOAN), you can close in as little as 5 days!
Home of the
5-DAY A.I. HELOC
[ Home Equity Line of Credit ]
Close Fast in as little as 3-days.
A 100% digital process.
Access funds over 5-Years.
Pay Off At Any Time.
No Monthly or Annual fees.
What can a Second do for you?
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![home remodel Ryan Hrisca Trust in the Beard]()
Remodel Your Home
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![consolidate debt refinance Ryan Hrisca Trust in the Beard]()
Consolidate Card Debt
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![home equity Ryan Hrisca Trust in the Beard]()
Pay For Major Purchases
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![payoff student loans Ryan Hrisca Trust in the Beard]()
Payoff Student Loan Debt
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![second home purchase Ryan Hrisca Trust in the Beard]()
Purchase a Second Home
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![medical bills Ryan Hrisca Trust in the Beard]()
Pay off Medical Bills
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![Ryan Hrisca Trust in the Beard]()
Unexpected Life Events
You’re only three steps away.
Get The Details
Get a customized, no-hassle quote in minutes. with zero impact to your credit. Get your fixed rate options and the low rates without the sales or B.S.
Complete Online
A 100% online application and process including signing the closing docs virtually. Although you won’t need us, we’re happy to assist step-by-step.
Sign Documents
Access your home’s equity in as little as five days, not 2-3 months. All documents are digital and the online closing documents can be done at home.
without impacting your credit score.
FAQ’s
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HELOC rates can vary as they are based off of your specific scenario. The rate given is heavily influenced by your combined “loan-to-value” (with the new second mortgage; and credit scores. Additionally, the Fed Prime rate (plus a margin) can move the needle.
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Although we offer both, our 5-day HELOC offers fixed rate options (30yr, 20yr, 15yr and 10yr terms).
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Our program currently required a FICO score as low as 640+. This is always subject to change so if you may be concerned, be sure to ask us while on a call!
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As long as you meet the IRS requirements, yes you can deduct all interest when using to buy, build or improve your current or new home.
It’s important to note, you may need to itemize deductions on your tax return in order to claim the interest deduction. Always be sure to consult a tax advisor for your specific details.
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The honest answer is maybe. Our 5-Day HELOC doesn’t require one as the value is determined by an automated valuation model (AVM).
A HELOAN depends as well, sometimes one is not required.
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Absolutely not! If you decide to pay back all funds taken, you can close at any time without a fee.
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No, this is your money. You have paid into your home and yours to keep, without any tax implications.
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There are zero annual or monthly fees.
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The investor used for our 5-day program is unique! It is a digital A.I. underwrite. This allows for a fast and streamlined process rarely found elsewhere.