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HELOAN

⚡️Program Highlights ⚡️

Closed-End Second Mortgages (CES) provide the option to tap into the equity of their home to access cash without it affecting the rate on their original loan. Plus, it gives the ability to borrow a lump sum all at once for whatever they need.

Why Closed End Seconds Make Sense:

Get Cash out without refinancing your existing loan

Seconds do not require Mortgage Insurance

Rates on Seconds are often better than lines of credit

Lower the down payment on a home purchase when paired with a first lien*

Pay for a large purchase such as; home improvements, home renovations, college expenses or medical bills.

Fixed Term rates available

Purchase, Rate/Term Refinance and Cash-Out Refinance available

- Purchase, Rate/Term Refinance, and Cash-Out Available

- Fixed 15- & 30-year rates available

- Credit Scores down to 660

- Loan Amounts to $500,000

- Full Doc - Max CLTV 90%

- Alt Doc & DSCR - Max CLTV 85%

- Eligible as 2nd lien only

- Fully disbursed at closing, no draw feature

- Minimum loan amount $100,000

- No reserve requirements on stand alone seconds

- Cash-Out - Up to 90% CLTV Full Doc

- Cash-Out - Up to 85% CLTV Alt Doc & DSCR

- 80% CLTV Cash-Out Refinance on Investment

- 75% CLTV Cash-Out Refinance on DSCR

- Owner Occ., 2nd Home and Investment Properties

- ITIN, One Year Self Employed and DSCR available

⚡️NonQM Program Highlights ⚡️

Close more loans and tap into equity with our Non-QM Closed-End Second Mortgage!

Non-QM Closed-End Second Mortgages can be a great way to access home equity without affecting the first mortgage. These loans are not subject to the same strict lending requirements as Qualified Mortgages (QMs), making them more accessible to borrowers with less-than-perfect credit or Non-Traditional income documentation.

- Purchase, Rate/Term Refinance, and Cash-Out Available

- Fixed 15- & 30-year rates available

- Credit Scores down to 660

- Loan Amounts to $500,000

- Full Doc - Max CLTV 90%

- Alt Doc & DSCR - Max CLTV 85%

- Eligible as 2nd lien only

- Fully disbursed at closing, no draw feature

- Minimum loan amount $100,000

- No reserve requirements on stand alone seconds

- Cash-Out - Up to 90% CLTV Full Doc

- Cash-Out - Up to 85% CLTV Alt Doc & DSCR

- 80% CLTV Cash-Out Refinance on Investment

- 75% CLTV Cash-Out Refinance on DSCR

- Owner Occ., 2nd Home and Investment Properties

- ITIN, One Year Self Employed and DSCR available

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Reviews

"Excellent and thought provoking presentation! Valuable and I highly recommend!"

vicky mcsweeney

"Kayla is my go to lender. She’s always on top of things and great at communicating. I highly recommend going with her!"

cristian hernandez

"Kayla is a well experience agent. Her knowledge and expertise extend to understanding mortgage pricing, creating informative videos, and analyzing pricing charts. Kayla prioritizes your comfort and ensures you're well prepared for home ownership. Her team goes above and beyond to meet your needs and find the ideal home within your budget. I highly recommend choosing Kayla and her team as your agents when buying a home they'll guide you through the process and help you make the right choice."

anthony agustin

"A great team lead by the best in my personal opinion thanks Kayla for the help buying my first house I really will recommend you with my family and friends!"

guape1978

"Kayla is amazing, and professional. Her positive attitude towards her clients is appreciated. She learns her clients need carefully and assist them accordingly towards their need. Kayla is always available to listen, take appropriate action to resolve any issues along the way to make sure her clients buy the house that they can afford and wanted. My husband and I always appreciate her outstanding quality. Wishing you success, Kayla. We like our house very much. Thank you for your service."

marian perera

"Kayla was a pleasure to work with! She was knowledgeable and hardworking which as an agent I appreciated. She went above and beyond for our clients and got them into the house they wanted. Thank you Kayla!!"

nic morreale

"She stayed on top of things and was always in communication with you. The process was a breeze despite numerous challenges given to her. Highly recommend"

paula vu

"Kayla inspired trust, give you the serenity that take away the fear of being a first time buyer, she make sure you are 1 step forward in the proces"

leo lopez