Second Mortgage
Access Your Equity Without Touching Your Primary Rate
If you secured a record-low interest rate on your home years ago, the last thing you want to do is pay it off just to get extra cash. At Skynet Financial Co., our Second Mortgage options—including Home Equity Loans and HELOCs—allow you to tap into your home’s value while leaving your low-rate primary mortgage exactly as it is. Whether you’re in Tustin or across Orange County, we help you leverage your property’s growth to fund your life’s biggest goals.
Ready to See Your Loan Options?
Two Ways to Tap Into Your Home’s Value
A second mortgage is a separate loan that sits “behind” your first one, meaning you’ll have two monthly payments but keep the benefit of your original financing. There are generally two paths you can take depending on your needs: the Home Equity Loan and the HELOC (Home Equity Line of Credit). A Home Equity Loan provides a one-time lump sum of cash with a fixed interest rate, making it the perfect choice for predictable, one-time expenses like a major kitchen remodel or consolidating high-interest credit card debt. Because the rate is fixed, your payment never changes, giving you long-term budget certainty.