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Fixed Second Mortgages in Florida

Access Home Equity While Keeping Your First Mortgage

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Google 5-star customer satisfaction

Put Your Home Equity Toward What Matters

A fixed second mortgage lets eligible homeowners borrow against available home equity without replacing their existing first mortgage. You receive a lump sum with a fixed interest rate and scheduled principal and interest payments over a set term.

Whether you’re planning home improvements, covering a larger expense, or considering debt consolidation, this financing offers a defined amount upfront. Your first mortgage and its rate stay in place, and the second mortgage adds a separate monthly payment.

At Select Home Loans, we help you compare available options through our lending partners and understand how the additional payment fits your budget. Because the loan is secured by your home, we’ll also explain the costs and repayment responsibilities before you move forward.

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Fixed Second Mortgage in Florida

Why choose Select Home Loans?

  • Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Jumbo, Non-QM Loans, HELOC, Second Mortgages, and DSCR Loans.
  • Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
  • Customized service: Solutions crafted to meet your specific requirements.
  • Established credibility: A reputation built on trust and experience.
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Pre-approved for a loan up to $500,000

Finding the Right Fixed Second Mortgage in Florida

We start with a conversation about your plans, current mortgage, and the amount you’d like to borrow. Your home’s value, existing mortgage balance, income, and credit help determine the financing available to you.

Together, we compare fixed second mortgage options based on interest rates, closing costs, loan terms, and monthly payments. If you’re consolidating debt, we’ll also consider the total cost over time. A lower monthly payment can still mean paying more interest if repayment stretches over a longer period.

If you own a business, bank statement qualification may offer another way to document your income. For eligible rental properties, we can also explore DSCR second mortgage programs that use the property’s rental income for income qualification.

From reviewing documents through coordinating the property review and closing, we’re here to answer your questions and keep you informed.

Have more questions? Visit the FAQ section on our HELOC and Second Mortgage page, or reach out to our team. We’re happy to help.

More Choices. More Clarity. More Support.

More Options
Multiple lending partners, with programs and rates to fit your goals.
3,500+
Borrowers helped along the way
39States
Business-purpose DSCR financing for eligible investment properties.

Hear What Our Clients Have To Say!

“We recently worked with Nick Andrews on a DSCR refinance for our investment property in Florida. The experience was smooth from start to finish. He handled the process exactly how an investor loan should be handled: clear communication, fast turnaround, and no surprises. From the initial quote through underwriting and closing, Nick stayed on top of every moving piece (DSCR calculations, rental income documentation, appraisal coordination, conditions) and explained everything in plain English. If you’re an investor looking for a rental income loan, I’d strongly recommend Nick at Select Home Loans.”
Brian N.Jupiter, Florida
“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.”
Isabel B. & Gerald B.West Palm Beach, Florida
“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, Florida
“I was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans. From start to finish, the process went smoothly and without any surprises. I highly recommend Select Home Loans.”
Judy M.Boca Raton, Florida
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