This is sample editorial content published to demonstrate the article template. No rates or figures are included.
Every broker has a list of past clients who will not touch their first mortgage. That list is not dead. It is a second-lien pipeline that has not been called yet.
The call that works
The message is simple: keep the first mortgage exactly as it is, and use the equity behind it. Renovations, consolidation, tuition, and investment down payments are the four reasons that come up most.
- Segment your database by year of origination.
- Lead with keeping the existing first lien untouched.
- Have the second-lien structure ready before the call, not after.
Operationally simple
Standalone seconds behind another lender's first are supported, so you are not limited to loans you originally placed with us. Submit a scenario and talk through the structure with your AE.
Sample editorial content for prototype purposes. Intended for use by real estate and lending professionals only and not for distribution to consumers. Programs are subject to change without notice and this is not a commitment to lend.