You've built equity in your home — now put it to work. I'm Justin Joseph, Mortgage Agent Level 2 (FSRA #13564), and I structure cash-out refinances, HELOCs, and second mortgages to access up to 80% of your equity, often at rates far below credit cards or personal loans.
Equity is one of the lowest-cost sources of capital available to you — if it's structured correctly.
Fund a kitchen, addition, or full renovation at mortgage rates instead of a personal loan or contractor financing.
Use built-up equity as the down payment on an investment or rental property.
Roll high-interest credit cards and loans into a lower, single monthly payment.
Access capital for tuition, a business investment, or a major life expense.
I map the cost, timeline, and structure before you commit to anything.
We confirm your current home value and existing mortgage balance to see what's available.
Refinance, HELOC, or second mortgage — I compare the cost and flexibility of each for your goal.
Once approved, funds are typically available within days to a few weeks depending on the structure.
Every structure is compared side-by-side so you choose based on cost and flexibility, not guesswork.
Replace your existing mortgage with a larger one and take the difference in cash.
Lump SumA revolving line of credit secured by your home, draw and repay as needed.
Flexible AccessAccess equity without touching or breaking your existing first mortgage.
No PenaltyAccess up to 55% of your home's value with no required monthly payments.
Age 55+Pull equity from an existing property to fund your next purchase.
Portfolio GrowthAccess capital for a business investment using your home as security.
Business OwnersMost homeowners can access up to 80% of their home's value across all mortgages and lines of credit combined, and up to 95% under certain circumstances.
A refinance replaces your entire mortgage with a new, larger one. A HELOC is a revolving line of credit alongside your mortgage. A second mortgage is a separate loan in second position behind your existing mortgage, avoiding any penalty on it.
It can be, if the funds are used for investment or business purposes. This depends on your specific situation, so confirm with a tax professional.
A reverse mortgage lets homeowners 55 and older access home equity with no required monthly payments, repaid when the home is sold or the owner moves.
Not if you use a HELOC or second mortgage — your existing mortgage and its rate stay untouched. A cash-out refinance replaces it entirely, which may change your rate.
No obligation. No credit hit. I'll show you what's available — usually within a few hours.
Not what you're looking for?