Turn Equity into Opportunity
Use the value you've built in your home to help fund larger goals with predictable payments and a fixed loan amount.
2nd Mortgage Home Equity Loan
Turn home equity into opportunity.
Access a lump sum loan backed by your home’s equity for planned projects, major expenses, or other big goals.
- Fixed loan amount for planned borrowing
- Competitive rates and predictable payments
- Local lending support from start to finish
Meet Our Home Loan Officers
Braylan Bean
NMLS #2160785
Idaho Falls, ID
Dustin Lopez
NMLS #542569
Star, ID
Ryan Jensen
NMLS #2348151
Idaho Falls, ID
Sheri Spencer
NMLS #1630739
Idaho Falls, ID
Frequently Asked Questions
Will a second mortgage replace my current mortgage?
No. A second mortgage is a separate loan secured by your home. Your existing mortgage stays in place, and you will have a separate payment for the new loan.
How is the amount I can borrow determined?
The amount available depends on factors such as your home’s value, how much you currently owe, your income, credit history, and other lending qualifications. We’ll review the full picture and help you understand the options available to you.
Will my home need an appraisal?
An appraisal or another form of property valuation may be needed to confirm your home’s current value and available equity. We’ll let you know what is required for your application.
Are there closing costs?
Closing costs or other fees may apply depending on the loan. We’ll clearly explain any applicable costs and provide the required loan disclosures before you move forward.
Can I use a second mortgage to consolidate debt?
A second mortgage may be used to consolidate certain debts, but it is important to compare the total cost, repayment period, and risk. Because the loan is secured by your home, our team can help you review the numbers before deciding whether it fits your goals.
Make Your Equity Go Further
Explore how a Home Equity Loan can help fund your next big goal.