Second Lien Reverse Mortgage

Access your home equity without refinancing your current first mortgage. Keep your low rate and add funds on top.

Keep Your Low Rate.
Access Your Equity.

A second lien reverse mortgage sits behind your existing first mortgage, so you can tap into home equity without giving up a low interest rate you already have. There are no required monthly payments on the second lien while you live in the home.

Keep your existing first mortgage and rate

No monthly payments on the second lien

Available from age 55 in select states

Funds for renovations, debt, or reserves

Get Your Free Quote

Call Us: 800-558-0475

Why Choose a Second Lien Reverse?

Many homeowners locked in low first mortgage rates and do not want to refinance them. A second lien reverse lets you use your equity while keeping that loan in place.

Eligibility

Homeowners 55 and older in select states, with substantial equity in their primary residence.

Keep Your Rate

Your first mortgage, its rate, and its monthly payment stay exactly as they are today.

No New Payment

The second lien itself carries no required monthly payment while you live in the home.

Flexible Use

Use funds for renovations, debt payoff, healthcare, travel, or a financial cushion.

Rate Protection

Avoid refinancing a low-rate first mortgage just to reach your equity. Your existing loan stays untouched.

Honest Comparison

We compare a second lien reverse against a HELOC, cash-out refinance, and HECM so you see every option.

In-House Processing

From application to closing, your loan stays with our team. No third-party processors, no handoffs.

The Details

Understanding the
Second Lien Reverse.

A second lien reverse mortgage is a newer type of proprietary reverse mortgage, designed for homeowners who want equity access without disturbing their first mortgage.

How It Works

The second lien reverse is recorded behind your current first mortgage. You receive funds at closing and make no required payments on the second lien, while you continue making your regular first mortgage payment as usual.

Who It Fits Best

It suits homeowners with a low-rate first mortgage and meaningful equity who need funds but do not want a HELOC with monthly payments. Availability varies by state, and we confirm eligibility for your property.

Your Ongoing Responsibilities

You keep the title and continue paying your first mortgage, property taxes, and homeowners insurance, and you maintain the home. The second lien is repaid when the home is sold or the last borrower permanently leaves.

How It Works

Our Loan Process

Four clear steps from your first conversation to closing day, all handled by one in-house team.

Consultation

We start by understanding your goals. Your dedicated loan officer reviews your situation and recommends the right program.

Pre-Approval

Our technology compares your scenario across multiple investors in minutes. You get a clear picture of your rates, costs, and options.

Processing

Your in-house processor collects documents, orders the appraisal, and coordinates with title and closing. No third-party handoffs.

Closing

Final documents are prepared, reviewed, and signed. Funds are disbursed. Your loan officer stays with you through the last signature.

Ready to Get Started?

500 N. Franklin Turnpike, Suite 303
Ramsey, NJ 07446

Call: 800-558-0475
Email: info@ophomeequity.com

Frequently Asked Questions

Answers to the questions we hear most about second lien reverse mortgages.

What is a second lien reverse mortgage?

It is a proprietary reverse mortgage that sits in second position behind your existing first mortgage. It lets you access equity without refinancing the loan you already have.

Do I still pay my first mortgage?

Yes. Your first mortgage and its monthly payment continue as normal. There is no required monthly payment on the second lien reverse.

What age do I need to be?

Programs are available from age 55 in select states. Requirements vary by state, and we confirm what is available where you live.

How is this different from a HELOC?

A HELOC typically requires monthly payments once you draw funds. A second lien reverse carries no required monthly payment on the second lien while you live in the home.

How much can I access?

Your amount depends on your age, your home's value, your first mortgage balance, and program guidelines. We calculate your figure at no cost.

When is the second lien repaid?

It is repaid when the home is sold, or when the last borrower permanently moves out or passes away. Heirs can repay the balance or sell the home and keep any remaining equity.

Opulence – Mortgage solutions with integrity Your home’s equity working for you