Access Your Equity Without Touching Your First Mortgage.

A second mortgage from Solid Capital lets you borrow against the equity in your home, even if your current lender won't refinance you or you don't want to break your existing mortgage and pay penalties.

If you've built equity in your home but are locked into your first mortgage, a second mortgage is often the best tool to access that value.

We offer private second mortgages with fast approvals, flexible terms, and acceptance of challenged credit — making this option available to homeowners who need it most.

Why a Second Mortgage?

Access equity without refinancing your first mortgage (avoid break penalties)

Consolidate high-interest debt into a secured, lower-rate product

Fund home renovations without disrupting existing financing

Use equity for business capital or investment down payments

Education costs Bridge financing while transitioning between properties Second Mortgage Details yourself or your children

Second Mortgage Details

Property Types

Raw land, serviced lots, infill lots, agricultural land (case by case)

Combined LTV

Up to 85% (1st + 2nd)

Terms

12–24 months (bridge)

Credit Policy

Challenged credit accepted equity is primary consideration

Rates

Starting at 6.99%

Speed

Faster than refinancing often funded within days

Loan Amount

$25,000 – $1,000,000+

FAQ

Have Questions?
We Have Answers.

Curious about securing funding or a mortgage with Solid Capital? We've compiled answers to frequently asked questions to guide you.

View all faq

Ready to Get the Funding Your Business Deserves?

Apply in 5 minutes and get a decision today. No obligations, no impact to your credit score to apply.

No obligation. No impact to your credit score to apply.

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