What Is a Second Position Loan?

Access equity in your existing investment properties without refinancing your first lien. Up to 75% combined LTV for acquisitions, renovations, or business capital.

How Second Position Loans Work

Why refinance when you can tap your equity and keep your existing first lien exactly where it is? A Second Position loan lets you unlock equity in your investment property without disturbing your current rate or terms. Smart investors use second position loans to recycle equity and keep their portfolios expanding.

Investors sitting on equity who locked in a low rate on their first mortgage and don't want to lose it. Perfect for pulling capital for a down payment on the next deal, funding renovations, or covering short-term liquidity needs.

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Up to 75% combined LTV Across both liens
Existing first mortgage untouched Your current rate stays exactly as is
Fast closings No full refinance process
Flexible use of funds Next acquisition, rehab, or reserves
No tax returns or income docs Qualify without W-2s

Second Position Loan Requirements

Straightforward requirements built around your existing equity position.

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Up to 75% combined LTV across both liens
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Existing first mortgage stays untouched — rate and terms unchanged
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No tax returns or personal income documentation required
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Faster closing than a traditional refinance
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Funds usable for acquisition, rehab, or portfolio reserves
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Available on non-owner-occupied investment properties

How to Get a Second Position Loan

Unlock your equity without touching your existing first mortgage.

1
Tell us about your property and equity Property value, current first mortgage balance, and goals.
2
We calculate your available equity Up to 75% combined LTV across both liens.
3
Close without touching your first mortgage No payoff, no refinance process, no rate change.
4
Deploy the capital Acquisition, renovation, or reserves — it's your call.
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Common Questions

How is this different from a cash-out refinance?
A cash-out refi replaces your entire first mortgage — including its rate. A second position loan sits behind your existing mortgage, so your current rate and terms stay exactly as they are.
How much equity can I access?
Up to 75% of the property's value, combined across both liens. Example: property worth $500K with a $250K first mortgage could support up to $125K in second position.
How fast can it close?
Faster than a refinance — there's no payoff of the existing loan, so the process is streamlined.
What can I use the funds for?
Any investment purpose — down payment on the next property, renovation capital, or portfolio reserves.

Ready to Tap Your Equity?

Get a quote on a second position loan today. Access your equity, keep your first mortgage exactly as it is, and put the capital to work on your next deal.

Get a Quote Call (862) 293-2467