Leave the rate.
Take the cash.
Pull equity out without touching the low-rate first mortgage. Four taps, and your numbers are on screen before anyone asks who you are.
How do you use the property?
One tap. This decides which program families are even in play.
No credit pull · no SSN · numbers before contact info. Second-lien 9.50% and refi 7.25% are illustrations, not quotes, offers, or available terms.
60 SEC Four taps and two sliders. No paperwork, no account.
$100K–$1M Second-lien lines, including self-employed, rentals and trust title.
1 DAY A licensed broker reviews every scenario before anything goes anywhere.
Rather talk to a person? Text (949) 244-6405 · How the desk works
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 See your numbers
How you use the property, your first mortgage, the cash, a credit range. Keep-and-add
versus cash-out refi, side by side, before you share a name or number.
T+00:02 Get a placement memo
Five more questions: state, how title is held, the paperwork you can produce, the home's
value, and timing. Then 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 328993 Mortgage broker, not a lender — loans arranged through third-party wholesale lenders. Equal Housing Opportunity