HELOCs and second mortgages in New Jersey
Get to the equity you've built without touching your first mortgage. Conventional bank programs, and non-QM options for the self-employed, investors and files with complex income.
At a glance
- Loan amount
- Up to $1 million
- No-doc HELOCs
- Available at 50% loan-to-value
- Full documentation
- Credit scores down to 660
- Occupancy
- All occupancy types
- Property
- Residential only; co-ops only as investment properties
Ways to qualify
- No income home equity loans
- DSCR HELOCs and second mortgages
- Bank statement HELOCs
- Verification-of-employment-only HELOCs
- Piggy-back second mortgages, and every other non-QM loan type
We know conventional and non-traditional HELOC programs, including limited documentation and options beyond standard W-2 verification, which lets us place files that many banks decline.