Available now at BluePoint Mortgage

Offer your borrowers the benefit of a cash-out loan without changing the rate of their first mortgage

Closed-End Second Mortgage

What is a Closed-End Second (CES) Mortgage?
A closed-end second mortgage loan (CES) is a second mortgage that allows homeowners to tap into the equity of their home and use the money to pay for major repairs, debt consolidation, or other critical costs.


  • $250K max loan amount
  • Min. FICO 680
  • Max CLTV 85%
  • 5-20 years, 30 years due in 15 years
  • Qualify with W-2 or WVOE
  • Self-employed borrowers OK
  • Borrower receives funds at closing