Keep your low-rate first mortgage in place and access your home’s equity with a fixed-rate second mortgage. Get the cash you need for debt consolidation, home improvements, tuition, or other major expenses without refinancing your existing mortgage.
Keep Your First with a Fixed Rate Second
Keep your existing first mortgage in place and use the equity you’ve built for debt consolidation, home improvements, tuition, major expenses, or other financial goals. Choose between a fixed-rate home equity loan or a flexible home equity line of credit.
Highlights
Requirements
Usage
How to Get Started
Keep Your First Mortgage. Access Your Equity.
Use the equity you’ve built in your home without refinancing your existing first mortgage.
Fixed-rate second mortgage
Keep your current first mortgage and interest rate
Receive funds in one lump sum
Predictable monthly payments
Use funds for debt consolidation, home improvements, tuition, or other major expenses
Home Equity Loan Requirements
Review the key factors used to determine eligibility and available loan options.
Sufficient equity in your home
Property must meet program eligibility requirements
Credit and income qualifications apply
Loan amount subject to available equity and program limits
Existing first mortgage remains in place
Put Your Home Equity to Work
A home equity loan can provide cash for a variety of financial needs while leaving your first mortgage untouched.
Consolidate high-interest debt
Make home improvements or renovations
Pay tuition or education expenses
Cover major purchases or unexpected expenses
Access cash without refinancing your existing mortgage
See How Much Equity You Can Access
Tell us a little about your home, current mortgage, and borrowing needs to explore your available options.
