Why Consider a 2nd Lien?

Second liens are a smart alternative when refinancing your entire loan doesn’t make sense.

Here’s how it works:

✅ You keep your existing first mortgage—especially helpful if it’s locked in at a low rate.

✅ You borrow only what you need—a lump sum or revolving line of credit, depending on your needs.

✅ You use the funds your way—pay off debt, fund a renovation, cover tuition, or handle life’s unexpected turns.

Is a Second Mortgage Right for You?

Our second lien loan could be a great fit if:

✅ You have equity in your home but don’t want to refinance your first mortgage

✅ You’re managing high-interest credit card debt

✅ You’re planning a major home improvement project

✅ You need access to cash—without starting your mortgage over

How the Process Works

Getting a second lien with Essex Mortgage is simple:

✅ Talk with a Loan Officer – We'll walk you through your options

✅ Submit Your Docs – W-2s, bank statements, current mortgage info

✅ Get an Offer – We'll show you terms tailored to your financial goals

✅ Close & Access Funds – Usually within 30 days

We handle the paperwork and keep things moving so you don’t have to worry.

Why Essex Mortgage?

Since 1986, we’ve been helping families make smarter mortgage moves.

Here’s what sets us apart:

💼 Personalized guidance from experienced loan officers

🔍 Transparent process and terms

🛠️ Flexible options tailored to your goals

📞 Real human support—before, during, and after closing