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Fixed Second Mortgage – Florida Lender

A Quick Snapshot of Your Fixed Second Mortgage Options

Fixed-Rate Second Mortgage

Borrow against your home’s equity with a stable, fixed interest rate and predictable monthly payments.

Lump-Sum Funding

Receive your funds all at once—ideal for large expenses, home improvements, or consolidating high-interest debt.

Keep Your First Mortgage

No need to refinance your primary mortgage; keep your existing rate while accessing equity separately.

Flexible Loan Terms

Choose from multiple repayment terms tailored to your financial plans and long-term goals.

Why Choose a Fixed Second Mortgage in Florida

A Fixed Second Mortgage allows homeowners to access their home equity without touching their existing first mortgage. With a locked-in interest rate and predictable payment schedule, this option is ideal for borrowers who want stability and control while covering major expenses, funding renovations, consolidating debt, or investing in personal financial goals.

Because the loan is separate from your primary mortgage, you can keep your current interest rate—an advantage for homeowners who secured low rates in previous years. The fixed-rate structure ensures long-term clarity, making budgeting easier and reducing uncertainty.

At Select Home Loans, we help Florida homeowners secure fixed second mortgages quickly and confidently, with clear loan terms and a streamlined approval process.

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Where are You Now?

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I’m ready now! I’ve found a home

Apply For a Loan

I’m looking for a home

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I’m just researching

Something Else

Why choose Select Home Loans?

  • Trusted mortgage experts across Florida.

  • Specialized in self-employed and alternative income home loans.

  • Quick pre-approvals and competitive low rates.

  • Decades of combined mortgage experience.

  • Dedicated loan officers guiding you every step of the way.

  • Streamlined, secure, and easy online application process.

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Transforming Your Financial Goals Into Reality

15

Average to Close

3500

People found their dream home with Select Home Loans

40

More savings than you would get with some of our competitors

Secure Your Fixed Second Mortgage Loan Today

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Hear What Our Clients Have To Say!

“While visiting my wife's parents who have lived in Florida for a number of years, my wife and I decided to look for a new home. After looking at several homes for sale, my wife and I found the home we wanted. We mentioned to our real estate agent that we would need to obtain a mortgage as it would probably be a year until we were ready to sell our home in New Jersey and he recommended that we contact Select Home Loans. That was the best advice we received. Although we were some 1,300 miles away, our David Shefsky at Select Home Loans walked us through each step requesting the necessary documentation he needed. Two months later, we had our mortgage. One year after that, we became permanent Florida residents and Select Home Loans helped us achieve our goal. Thank you”

Re S.Boca Raton, FL

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been. Once again, thank you. It was a pleasure doing business with you and Select Home Loans.”

Isabel B & Gerald BWest Palm Beach, FL

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, FL

“When I found a house I wanted to purchase, was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans and my experience working with my Mortgage Banker was excellent. He was professional, knowledgeable, and efficient, as was his office staff. Although I had the financial resources to pay for the house, my financial situation was unusual, and he was up to the challenge of working out a loan for me with a good interest rate. From start to finish, the process went smoothly and without any surprises. Any potential hitches were dealt with quickly and effectively; his manner was always pleasant and he made himself very available. No long waits for him to call back. I highly recommend Select Home Loans.”

Judy M.Boca Raton, FL