Leave the rate.
Take the cash.
A straight answer in ten minutes — on the file everyone else took a week to decline.
No credit pull · no SSN · nine questions
FIRST LIEN480,000@ 3.250First lien · do not touch
NEW SECONDThe only new-priced dollars+ 120,000@ 9.500*
ALT: CASH-OUT REFIEvery dollar repriced600,000@ 7.250*
Blended cost, first kept
4.50
$1,375/mo stays with youvs repricing everything at 7.25
Edit the assumptions
*Interest-only illustration from the figures you enter — not a quote, an offer, or available terms.
Intake ledger — most common entries
The four files that land here most
SE / BANK-STMT Self-employed, write-offs ate the income Tax returns support one line size; 12–24 months of bank deposits often support a much larger one. Same borrower, same house, different paperwork. → NOO / RENTAL Equity trapped in a rental Most bank equity programs are built for the house you live in and turn away rentals outright. The wholesale channel doesn’t. → TRUST / ESTATE Property in a trust or an estate Trust and probate title stops most lenders before income is even discussed. There are still real paths — and an honest private-money route when there aren’t. → SUB-680 Bruised credit, real equity Non-prime second-lien tiers exist in the wholesale channel — they’re just never advertised where consumers look. Below the floors, private lending bridges honestly. →
Three steps, because it genuinely is a sequence
T+00:00 Answer nine questions
State, occupancy, how title is held, the paperwork you can produce, a credit range, and
the numbers. Ninety seconds on a phone. No contact info to see results.
T+00:02 Get a placement memo
Ranked programs that fit this profile, with leverage caps and expected timelines — and
the part nobody else shows: which lenders are out, and exactly why.
T+1 DAY Talk to a human
The memo rides along with your file. A licensed broker reviews every scenario before
anything goes anywhere — subject to full underwriting, credit approval, and property
review.
NMLS 338993 Mortgage broker, not a lender — loans arranged through third-party wholesale lenders. Equal Housing Opportunity