2ndLiens.com
Access Your Home Equity Without Giving Up Your Low Mortgage Rate
Keep Your First Mortgage. Access Your Equity. Get Cash.
Keep Your Low First Mortgage
If you locked in a low interest rate on your mortgage, you shouldn't have to give it up just to tap the equity you've built. Second lien financing is available for primary residences, second homes, and investment properties.
A traditional cash-out refinance replaces your existing first mortgage-including the interest rate you already have. A second lien works differently. It sits behind your existing first mortgage, allowing you to access your equity while keeping your current mortgage, interest rate, amortization schedule and payoff date in place.
We're Texas second lien specialists founded by an experienced mortgage professional. Loans are originated through Town Lake Lending, a licensed Texas mortgage company.
Ready to explore your home equity options?
See how much cash you could access →
Ready to explore your home equity options?
See how much cash you could access →
How Much Equity Can You Access?
Think of your home's value like a pie.
Home Value: $500,000
Current First Mortgage: $200,000
Available Equity: $300,000
In Texas, guidelines allow for borrowing up to 80% of your home's value.
Maximum Total Loans: $500,000 × 80% = $400,000
Current First Mortgage: $200,000
Maximum New Second Lien: $200,000
After the new loan:
- Home Value: $500,000
- Total Mortgages: $400,000
- Remaining Equity: $100,000 (20%)
Why Use 2ndLiens.com to Cash Out Your Equity?
KEEP YOUR FIRST MORTGAGE
Keep your existing rate, payment schedule and payoff date.
TEXAS LENDING EXPERTISE
Deep, hands-on knowledge of Texas home equity and second-lien lending.
FIXED-RATE OPTIONS
Choose from 15-, 20- and 30-year fixed-rate options with predictable monthly payments and no prepayment penalties.
