Expand Your Financial Options

Maximize Your Property’s Potential

Oak Leaf Community Mortgage presents our Second Lien Portfolio, offering a range of second mortgage products including Home Equity Lines of Credit (HELOC) and fixed-rate second mortgages. Tailored for homeowners looking to leverage their home’s equity for financial flexibility, our solutions are designed to meet various needs, whether for home improvements, debt consolidation, or other significant expenses.

What We Offer:

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We’re here to answer your questions and get you started on your mortgage journey.

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Why Choose Our Second Lien Options



Utilize your home’s equity to secure funds for various needs and opportunities.



Benefit from attractive interest rates compared to other credit sources.



Select a product that aligns with your financial goals and repayment preferences.



Experience a straightforward application and approval process with quick turnaround times and expert guidance.

Qualifying for a Second Lien Mortgage


Equity Requirement

Your home must have substantial equity to qualify. We assess the level of equity on a case-by-case basis during the application process.


Credit and Income Review

We consider your credit history and income stability. While there is no specific credit score requirement, we review your credit report and look for a history of responsible credit use. Additionally, we assess your income to ensure you can comfortably manage the loan.


Property Appraisal

An appraisal may be required to determine your home’s current value. Our team will coordinate the appraisal process to assess the property accurately.

Secon Lien

How to Apply:

Start Leveraging Your Home Equity.

Success Stories

“We were drowning in various high-interest debts and were looking for a way to regain control of our finances. Oak Leaf Community Mortgage’s Home Equity Line of Credit (HELOC) was our lifeline. We used the equity in our home to consolidate our debts into one manageable monthly payment at a much lower interest rate. It not only simplified our financial life but also saved us a significant amount of money in interest. Oak Leaf’s team guided us through the process with expertise and care. Thanks to the HELOC, we are now on our way to becoming debt-free and enjoying financial freedom.”

- Emily and John M.

Frequently Asked Questions

A HELOC (Home Equity Line of Credit) provides a revolving credit line with variable interest rates, allowing you to access funds as needed. In contrast, a fixed-rate second mortgage offers a lump-sum loan with a stable, fixed interest rate and predictable monthly payments. The choice depends on your financial goals and preferences.

The amount you can borrow depends on factors such as your home’s equity, creditworthiness, and income stability. Our lending team will assess these factors during the application process to determine your borrowing limits.

Yes, there may be closing costs and fees associated with second lien mortgages, including appraisal fees and processing charges. The specific costs can vary, so it’s essential to discuss these details with our team during the application process.

Ready to Discuss Your Options?

For more information or to discuss which second lien option is right for you, contact our loan specialists. We’re here to help you make informed decisions about using your home equity.

Unlock Your Home’s Financial Power

With Oak Leaf Community Mortgage’s Second Lien Portfolio, you have the power to unlock your home’s equity for your financial benefit. Whether it’s for home improvements, debt management, or other significant expenses, our tailored options offer the solutions you need.