Home equity financing allows you to access the equity you’ve built in your property without having to sell. Depending on your goals, existing mortgage, property type, and how you document income, there may be several ways to structure the financing.

​

Home equity options may include:

​

• Home Equity Loans – Access equity with a lump-sum loan and structured repayment.

• HELOCs – Establish a revolving line of credit that allows you to access available equity as needed.

• Cash-Out Mortgages – Replace your existing mortgage with a larger first mortgage and receive a portion of your equity in cash.

Home equity loans and HELOCs can often be placed in a second-lien position, allowing you to keep an existing first mortgage—and potentially preserve a favorable interest rate. If the property is owned free and clear, these products may also be structured in first-lien position.

​

Qualification doesn’t always require traditional income documentation. Depending on the program, we may be able to qualify using:

​

• Traditional W-2 or tax return income

• Bank statement income for self-employed borrowers

• Rental income or property value/cash flow on eligible investment properties

• ​

The best option depends on your available equity, current mortgage, income documentation, property type, and how you intend to use the funds. We review the full picture to determine the most appropriate way to access your equity.