MortgageFi · Financing with perspective.
A broader view.
A considered beginning.
Home equity loan / second mortgage
Explore a closed-end home equity loan while retaining the existing first mortgage. Review its payment and costs together with every lien on the home.
A considered fit.
Homeowners who prefer a defined loan amount over revolving access.
The details that matter.
- A second mortgage adds a separate payment.
- Combined loan-to-value and property eligibility require review.
- Your home secures the loan.
Prepare for the conversation.
- Current mortgage and lien statements
- Income and asset documentation
- Property value estimate
This is an initial discussion checklist. The applicable lender may require additional documents and uses its own eligibility and calculation rules. Do not send sensitive documents through this preview.
A broader view.
More possibilities.
Rate & term refinance
Review replacing the existing mortgage to change its rate, term, or structure. Compare closing costs and the time you expect to keep the loan.
Cash-out refinance
Explore a new mortgage that pays off existing liens and may provide cash from available equity. Compare it with keeping the first mortgage and adding a second lien.
Home equity line of credit
A HELOC is a revolving line secured by your home. Compare access to funds with its rate structure, draw period, and repayment obligations.
Your next chapter.
Consider the possibilities.
Begin with a goal. Explore your possibilities. Prepare for the conversation.