Available as Non-QM and Prime

Offer your clients a second mortgage using banks statements and other documentation!

Non-QM Seconds

If your borrower doesn’t qualify for a traditional 2nd mortgage, let’s go with a Non-QM Closed-End Second.

  • 660 Min. FICO
  • 50% Max DTI
  • Max CLTV up to 90% w/ 700+ FICO
  • Max Loan Amount up to $450K
  • Max Combined Liens up to $2MM
  • Full Doc: 12 Months W-2 or Tax Returns
  • Bank Statements: 12 Months Business or Personal/Business
  • Available Terms: 10yr, 15yr, 20yr, 30yr

See product matrix for details, contact your AE for pricing.

PRIME 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%
  • five, ten, fifteen, and twenty year terms
  • Qualify with W-2 or WVOE
  • Self-employed borrowers OK
  • Borrower receives funds at closing