Second Mortgage Loans for California Homeowners
Keep Your Low Rate. Unlock Your Equity. Fund What Matters.
๐ค Millions of Californians Are House-Rich, But Canโt Access Their Equity
Youโre not alone. Over 65% of California homeowners are sitting on record home equity, but arenโt tapping itโฆ
Because the only โsolutionโ theyโre offered is: Refinance.
๐ค Which makes no sense โ especially if your first mortgage is under 4%.
In fact, 92% of homeowners with a mortgage have an interest rate below 6% (source: Freddie Mac 2024).
No one wants to give up a great rate, pay closing costs, and reset their loan just to get the money they already own.
Kiyoshi Inui | President
Real people. No pressure. Just real mortgage solutions.
Based on the most recent 2025 data from the Federal Reserve, Black Knight, and Census Bureau:
๐ Whoโs Pulling Second Mortgages in 2025?
๐งโ๐ผ Over 53% of second mortgage borrowers are self-employed or qualify using non-traditional income.
๐ธ More than 72% of homeowners refuse to refinance due to having first mortgage rates under 4%.
๐ Roughly 35% of equity loans are used for home improvements โ especially ADUs, casitas, and remodels.
๐ Credit card debt hit a record high in Q1 2025, making second mortgages one of the most efficient debt consolidation tools.
๐ต Reverse 2nd demand surged 19% YoY, especially among California homeowners aged 62+ looking to avoid monthly payments.
๐ผ Investment property owners increasingly use DSCR 2nds to access equity without using personal income.
๐ก What Most Lenders Wonโt Tell You
You donโt have to refinance.
You donโt have to prove income the old way.
You donโt have to give up a single inch of financial freedom to access the equity youโve built.
At Solve Lending & Realty, we specialize in modern second mortgage programs designed for real homeowners like you.
๐ก Compare HELOCs, Fixed 2nds, Reverse Mortgages & More
๐ก Traditional & Simple Second Mortgage Options
๐ Fixed-Rate 2nd Mortgages
Straightforward lump-sum loans with predictable payments. Keep your low first mortgage rate intact.
๐ HELOCs (Home Equity Line of Credit)
Revolving line of credit โ draw as needed, interest-only payments. Ideal for phased projects or flexible use.
๐ Blended Fixed-Rate HELOCs
Get the flexibility of a line of credit with the stability of fixed payments. A hybrid option that offers quick cash in as little as 5 days, all paperless with minimal docs.
๐ Outside-the-Box & Non-QM Options
๐ Bank Statement Loans
Use 12โ24 months of business or personal bank statements to qualify. Great for self-employed borrowers.
๐ Asset-Based (No Doc) Second Mortgages
Qualify using liquid assets or retirement funds โ no income or employment required.
๐ Business Purpose 2nds
Use your equity to fund a new or existing business โ fast approval, no income verification, and no owner-occupancy restrictions.
๐ Blended Fixed-Rate HELOCs
A hybrid between a HELOC and a fixed 2nd โ you get a lump-sum disbursement at a fixed rate, secured through a flexible credit line. Paperless, fast, and can fund in as little as 5 days. Ideal for tapping equity quickly without refinancing.
๐๏ธ Investment Property & DSCR Loans
๐ DSCR 2nd Mortgages (Debt-Service Coverage Ratio)
Qualify using rental income alone. No W2s or tax returns required. Designed for real estate investors.
๐ Full Doc Investment Property Loans
Traditional second mortgages for investment properties using full documentation.
Get fast funding (as little as 5 days) with a paperless, all-digital process. Combines the flexibility of a HELOC with fixed monthly payments. Great for homeowners who want cash quickly without refinancing their low-rate first mortgage.
๐ต Retirement & No-Payment Options
๐ Reverse Mortgage 2nd (HomeSafeยฎ)
If youโre 55+, you can tap into your equity with no monthly payments โ and keep your home.
โฑ๏ธ Fast Closings Options. Flexible Docs. Local Team.
Some programs fund in 7 days or less โ and nearly all skip the traditional red tape.
Family-Owned. California-Rooted. Always Personal.
Weโre not some giant call center or out-of-state lender.
Solve Lending & Realty is a family-run team right here in California, and we treat every homeowner like one of our own.
Whether youโre looking to tap equity, buy your first home, or protect your low mortgage rate โ weโre here to help you make smart, pressure-free decisions.
Because we know itโs not just about moneyโฆ itโs about home.
๐ Real Options. Clear Answers. Fast Closings.
Weโll match the right second mortgage program to your real goal โ with honest advice, fast funding options, and no pressure. Just clear answers from a real expert, not a call center.
๐ Why Most Homeowners Miss Out
Most homeowners are either:
โ Told refinancing is the only option
โ Denied because theyโre self-employed
โ Unsure which program fits their situation
โ Afraid of being spammed or sold to
๐ Whatโs Your Equity Goal?
No Credit Pull. No Spam. Real Options Only.
๐ [ ] Remodel or expand
๐ [ ] Consolidate high-interest debt
๐ [ ] Fund a family or life event
๐ [ ] Grow a business
๐ [ ] Invest in property
๐ [ ] Retire or age in place
๐ [ ] Other
๐ง WHAT WE COVER IN THE CALL
Weโll Cover in Your 15-Minute Strategy Call.
๐ก Estimated Equity
๐ฏ Your Goal (remodel, debt, etc.)
๐งพ Matching Loan Options
โก How Fast You Can Fund
๐ Local Experts. Personalized Advice. Real Answers.
๐ก๏ธ Peace of Mind
โค๏ธ Why California Homeowners Trust Solve
Second Mortgage FAQs
What Is a Second Mortgage and How Does It Work?
A second mortgage is a loan secured by your home's equity that you take out in addition to your primary mortgage. Types include fixed-rate home equity loans or variable-rate HELOCs, often used for home improvement, debt consolidation, or major expenses.
How Much Can I Borrow with a Second Mortgage?
Typically, lenders allow borrowing up to 85% of your home's appraised value, minus any outstanding mortgage balances. For instance, if your home is valued at $400,000 and you owe $250,000, you might qualify for around $90,000.
What Are the Requirements to Qualify for a Second Mortgage?
Generally, you'll need at least 15โ20% home equity, a minimum credit score of 620, stable income, and a debt-to-income ratio below 43%.
What Are the Pros and Cons of Taking Out a Second Mortgage?
Pros: Lower rates than unsecured debt, access substantial cash, possible tax advantages.
Cons: Risk of foreclosure if unpaid, additional monthly payments, and closing costs averaging 2โ6% of the loan amount.
Is a Second Mortgage Better Than a Cash-Out Refinance?
This depends on your goals. A second mortgage allows you to keep your initial mortgage intact, beneficial if your original rate is low. A cash-out refinance replaces your existing mortgage entirely, useful if current rates are lower than your existing mortgage.
๐ฌ One Quick Call. Every Second Mortgage Option Explained.
Not sure what second mortgage fits? Thatโs what the call is for. Youโll get real options explained clearly โ even if youโve been told โnoโ before.
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Locally owned, family trusted.
True Partnership
Weโre by your side, start to finish.
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Company DRE ID: 02123993
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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