Frequently Asked Questions

Yes, they are available on second homes and rental/investment properties.

If you have a low first-mortgage rate, a traditional, first lien, cash-out refinance replaces your entire loan at today's rates - so you'd give up that low rate on your whole balance just to access a portion of your equity. A second lien lets you keep your first mortgage exactly as it is and borrow only against your equity.

A second lien - also called a second mortgage - is a loan secured by your home that sits behind your existing first mortgage. Your first mortgage stays in place, and the second lien is a separate loan against the equity you've built.

Essentially, yes. "Second lien," "second mortgage," and "second lien home equity loan" all describe a loan secured by your home that sits behind your first mortgage. What matters is that your existing first mortgage - and its rate - stays in place while you borrow against your equity.

2ndLiens.com is a marketing brand. Your loan is originated through Town Lake Lending, a licensed Texas mortgage company. Full licensing details and disclosures appear in the footer of every page.

Yes - we serve homeowners across the entire state of Texas, not just one region. Wherever you are in Texas, reach out and we'll let you know how we can help.

Quickly. Second-lien borrowers want speed and clarity, so we give straight answers and move fast. Reach out and we'll respond within 24-48 hours.

It's your equity to use. Common purposes include home improvement, consolidating higher-interest debt, tuition, or other major expenses. It can also be used to fund a down payment on a  second home or investment property purchase, lot/land purchase, or other general investments.