A second mortgage lets you borrow against your home's equity while maintaining your primary loan. Perfect when you need capital without disrupting your current mortgage terms.
Get the capital you need while keeping your primary mortgage intact.
Maintain your existing mortgage terms and interest rate—no disruption to your current loan.
No appraisal or full refinancing required. Get approved and funded more quickly than traditional refinancing.
Access competitive rates on second mortgages, even with credit challenges or unique situations.
Your home is worth more than you owe on your primary mortgage, creating available equity you can borrow against.
Submit an application. We'll evaluate your home value, existing mortgage balance, and creditworthiness.
Once approved, receive a lump sum or line of credit. Your primary mortgage remains unchanged.
Pay your primary mortgage to your original lender and your second mortgage payment to us.
Borrow a lump sum with a fixed interest rate and set monthly payment for a defined term (typically 5-15 years).
Best for: Borrowers who want predictability and a specific amount of cash.
Payment: Fixed monthly payment for the loan term.
Flexible credit line secured by your home. Borrow, repay, and reborrow as needed during the draw period.
Best for: Borrowers with ongoing, uncertain funding needs.
Payment: Interest-only or principal + interest during draw period.
A second mortgage is a separate loan on top of your primary mortgage—your first mortgage stays in place. Refinancing replaces your primary mortgage entirely. Second mortgages are useful when you want to keep your current loan terms.
The amount depends on your home's value, how much you owe on your primary mortgage, and your creditworthiness. Most lenders allow you to borrow up to 80-85% of your home's equity. Contact us for a personalized estimate.
Yes! TRI-GLOBAL EQUITIES specializes in working with borrowers who have credit challenges. If you have significant equity in your home, you may still qualify. We'll evaluate your full financial situation.
Second mortgages are typically processed faster than refinances—often 2-3 weeks from application to closing. The exact timeline depends on documentation and verification requirements.
Get a second mortgage without disrupting your primary loan. Start your application today.
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