At Independent Home Finance Inc., we specialize in providing tailored second mortgage solutions for California homeowners and investors. Whether you're in Los Angeles, San Francisco, San Diego, or anywhere in between, our flexible financing options can help you access your property’s equity quickly and efficiently.
Why Choose a California Second Mortgage?
A second mortgage is a powerful financial tool that allows you to access the equity you’ve built in your California property without refinancing your first mortgage. With rising property values across the state, now is the perfect time to unlock your home's potential for business, investment, or personal needs.
Key Benefits of a Second Mortgage
Quick Access to Cash
Funding is available within two to 4 weeks.
Low Documentation
We focus on the property’s value rather than extensive income verification.
Nationwide Coverage
Our services are available in CA, CO, TX, and throughout the U.S.
A second mortgage from Independent Home Finance Inc. provides fast, flexible access to your property’s equity for business or investment needs, without impacting your primary mortgage.
Second Mortgage Options for California Homeowners and Investors
We offer three versatile second mortgage options, each tailored to meet the diverse needs of California borrowers:
1. Hard Money/Private Second Mortgage
Ideal for business and investment purposes, these loans provide fast access to funds.
- Loan Purpose: Business use for non-owner-occupied properties nationwide and owner-occupied properties in California.
- Terms: 12-192 months, interest-only payments.
- Eligible Properties: Multi-unit, commercial, single-family homes, condos, and townhomes.
- Closing Time: 3-10 business days.
2. 30-Year Fixed Rate Second Mortgage
Perfect for those seeking stability with predictable payments.
- Loan Purpose: Consumer use, including debt consolidation, home improvement, and more.
- Terms: 5-30 years.
- Eligible Properties: Primary residences and investment properties, including single-family homes, condos, and townhomes.
- Closing Time: 21-30 days.
3. Reverse Mortgage Second Lien
Designed for senior homeowners looking to leverage their equity with no required payments.
- Eligibility: Homeowners aged 66+ with a 680 FICO score.
- Loan Purpose: Home improvement, medical expenses, or debt consolidation.
- Terms: 30 years.
- Eligible Properties: Single-family homes, condos, and townhomes (primary residences only).
- Closing Time: 21-30 days.
How Does a California Second Mortgage Work?
Step 1: Application
Provide details about your property’s current value and existing mortgage.
Step 2: Evaluation
We assess your property’s equity and Combined Loan-to-Value (CLTV) ratio.
Step 3: Approval & Funding
Upon approval, funds are typically disbursed within 10-30 days, depending on the loan type.
Common Second Mortgage Questions:
Why Independent Home Finance Inc.?
With over 25 years of experience, we’re a trusted name in California mortgage lending. Our team understands the unique needs of California homeowners and investors, ensuring you receive the best service and solutions tailored to your goals.
Client Success in California
"Independent Home Finance Inc. helped me secure a second mortgage in record time to expand my business in Los Angeles. The process was seamless and transparent!"
– Maria T., Los Angeles, CA
Final Thoughts: Is a California Second Mortgage Right for You?
If you're ready to unlock your property’s potential, our second mortgage options are here to help. Whether you're planning to expand a business, invest in additional properties, or make critical home improvements, we offer fast, flexible solutions tailored to California homeowners.
Ready to Get Started?
Take the first step today. Contact us or complete the form below to speak with a loan specialist and explore your options for a California second mortgage.
How much do you qualify for?
For Regular Information Follow Us On Social Media!
