Need Your Equity -- But Love Your Mortgage Rate?

 All I hear these days is:

“How can I access some of my home equity without disturbing my low-interest first mortgage?”

There may be a simple solution: a second mortgage.

Instead of refinancing your entire first mortgage and giving up that great rate, we can explore borrowing against a portion of your equity while leaving your existing first mortgage in place.

There are two common options:

HELOC — Home Equity Line of Credit
A revolving line of credit, typically with a variable interest rate. You borrow what you need, when you need it, up to your approved limit.

HELOAN — Home Equity Loan
A lump-sum second mortgage, typically with a fixed interest rate and fixed monthly payment.

Both can be placed behind your existing first mortgage, allowing you to preserve that low rate.

And because one size does NOT fit all, we have a variety of programs for different borrower situations—including options for self-employed homeowners and other borrowers who may not fit neatly into the traditional lending box.

What about homeowners 62+?

We even have reverse mortgage second-lien options for qualifying older homeowners that can provide access to equity without requiring a monthly mortgage payment.*

So whether you're considering a remodel, paying off higher-interest debt, helping a child purchase a home, buying another property—or simply want to understand what your equity could do for you—give us a call.

Let's look at the numbers before you disturb that great first mortgage!

We are here to help.

Karen Card
The Card Team
Sr. Loan Officer | NMLS #235218
American Pacific Mortgage Corporation
📞 714-290-6940
www.card-team.com