Home Loans
Equity Advancer
You have equity sitting in your home. The Equity Advancer puts it to work. Whether you want to consolidate debt, fund a renovation, or position yourself for your next move, this product gives you a smarter way to access what you have already built without disrupting the mortgage you have in place.
No Refi
Keep Your Existing Rate
Fast
Access to Funds
Flexible
Use of Proceeds
What Is the Equity Advancer?
The Equity Advancer is a second-lien product that lets you tap into your home equity without touching your first mortgage. That means you keep your existing rate and loan structure exactly as they are while unlocking the equity you have built up over time.
Unlike a cash-out refinance, which replaces your entire mortgage and resets your rate, the Equity Advancer sits alongside your current loan. You get the funds you need without giving up the terms you locked in. For homeowners who secured a low rate in recent years, this is often a significantly smarter move than refinancing.
What it is
A second-lien product that unlocks your home equity without touching your first mortgage. Your existing rate and loan structure stay exactly as they are.
Why it beats a cash-out refi
A cash-out refinance replaces your entire mortgage and resets your rate. The Equity Advancer sits alongside your current loan so you keep the terms you locked in.
Ready to Get Started?
Let's Put Your Equity to Work
No pressure, no runaround. Just a straight conversation about what you have built and what you can do with it.
Key Benefits
Keep Your Existing Rate
No cash-out refinance, no rate reset. Your first mortgage stays exactly as it is.
Access Your Equity Fast
Streamlined process gets you to funding faster than a full refinance without the paperwork mountain.
Flexible Use of Funds
Renovations, debt consolidation, investment, education. Use the proceeds where they make the most sense for you.
Preserve Long-Term Wealth
By not resetting your first mortgage, you preserve the equity-building momentum you already have in place.
Who Is It For?
The Equity Advancer is built for homeowners who have meaningful equity and a specific financial goal in mind. If you locked in a great rate over the past few years and have no interest in giving it up, this product lets you access your equity without touching your first mortgage.
It is a particularly strong fit for:
- Homeowners with a low first mortgage rate who want to avoid a cash-out refinance
- Borrowers who need a lump sum for renovations, debt payoff, or a major purchase
- Investors looking to access equity for a down payment on a second property
- Anyone who wants predictable payments without the uncertainty of a variable-rate HELOC
- Homeowners who have built significant equity and want to put it to strategic use
Good to Know
The Equity Advancer is a second-lien product, which means your total monthly obligations will increase. Todd and Aaron will make sure the combined payment structure makes sense for your budget before moving forward.
The goal is always to improve your financial position, not add pressure to it.
vs. Cash-Out Refi
Keep It.
Don't Reset.
Why give up a rate you will never see again? The Equity Advancer lets you have both -- access to your equity and the mortgage terms you already have locked in.
How the Process Works
Review Your Equity Position
Todd and Aaron start by looking at your current home value, your existing mortgage balance, and how much usable equity you have available to work with.
Structure the Right Loan Amount
We work through the numbers together to find a second-lien amount that accomplishes your goal without overextending your monthly budget.
Appraisal and Underwriting
Your home is appraised to confirm current market value. Underwriting reviews your income, credit, and combined loan-to-value ratio. We keep you updated throughout.
Close and Access Your Funds
Once approved, you close on the second lien and receive your funds. Your first mortgage stays untouched. Your rate stays exactly where it is.
Put the Money to Work
Renovate, consolidate, invest, or whatever your goal was from the start. Fixed payments, clear timeline, no surprises.
Typical Timeline
3-4 Wks
From Application to Funding
Faster than a full refinance and without the paperwork of starting a mortgage from scratch. We keep the process moving so you get to your funds without unnecessary delays.
Worth Knowing
Your First Mortgage Never Moves.
The Equity Advancer is a second lien, which means it sits behind your existing mortgage. Your current lender, rate, and payment structure stay exactly as they are. We are simply adding a separate loan on top of the equity you have already built.
Common Questions
How much equity do I need to qualify?
Generally you need at least 20% equity remaining in your home after the Equity Advancer is added. That means if your home is worth $400,000 and you owe $280,000 on your first mortgage, you may have room to access up to $40,000 or more depending on the program. Todd and Aaron will run the exact numbers for your situation.
Does the Equity Advancer affect my existing mortgage?
No. Your first mortgage stays completely untouched. The Equity Advancer is a separate second lien. Your existing lender, rate, and monthly payment do not change. You simply add a second loan alongside what you already have.
What can I use the funds for?
Almost anything. Home renovations, debt consolidation, investment property down payments, education, major purchases, or building a cash reserve. There are no restrictions on how you use the proceeds as long as the loan closes in good standing.
How is the Equity Advancer different from a HELOC?
A HELOC is a revolving line of credit with a variable interest rate. You draw on it as needed and your payment changes based on your balance and the rate environment. The Equity Advancer gives you a fixed lump sum with a fixed payment structure and a clear payoff date. Much easier to budget around.
What credit score do I need?
Generally a 680 or higher, though this can vary based on your equity position, income, and the combined loan-to-value ratio. Todd and Aaron will review your full profile and let you know exactly where you stand before you commit to anything.
Still Have Questions?
Just Ask. We Pick Up the Phone.
No automated phone trees, no waiting on hold. You get Todd or Aaron directly.
Call Todd: (719) 482-5359 Call Aaron: (404) 455-5710