Why touch your first mortgage when you can get a no-appraisal second mortgage?
Licensed coast to coast and based in Orange County, CA. Most lenders have one box — we have access to 160+. We specialize in the loans other brokers send away — HELOCs, fixed seconds, DSCR, and self-employed financing — and find the option that actually fits, wherever you are.
“I want to pull cash out — but I'm not giving up my low first-mortgage rate.”
Homeowners tell me this every day. My answer: don't touch that low-rate first mortgage. A HELOC or fixed second may let you access your equity while leaving your first mortgage right where it is.
Share the property address and a few contact details. We will compare real options from across 160+ lenders for HELOCs, fixed seconds, DSCR, self-employed financing, and more.
We lead with what you're trying to solve. The loan program is just the route we take to get you there.
“I want cash out, but I'm keeping my low first-mortgage rate.”
You can access your equity without refinancing your first mortgage — your low first-mortgage rate stays exactly where it is. Two standouts: get up to $400,000 with no appraisal required on a HELOC or fixed second — and for larger needs, we place HELOCs and fixed seconds up to $4 million, a size almost no one else will touch.
“I want another rental — but I can't qualify on tax returns.”
A DSCR loan lets you purchase or refinance an investment property with no income documentation at all — it qualifies on the property's rental income, not yours. No tax returns, no W-2s, no pay stubs, no employment verification.
Start with the goal that fits you. Every category opens into the full range of programs we offer.
Explore eligible HELOC and fixed-second programs up to $400,000 without a traditional appraisal — while keeping your first mortgage in place.
Learn more →Eligible DSCR loans use the property's rental income to qualify instead of your personal income. Fix and flip, construction, and other investment-property options are also available.
Learn more →Bank statement, P&L, 1099, jumbo, and flexible documentation options for borrowers outside the standard box.
Learn more →Commercial, multifamily, mixed-use, gas-station, and business-purpose bridge financing.
Learn more →Most lenders have one box.
We have 160+.
A lot of our clients come to us after being told "no" somewhere else. That "no" usually just means that one lender's box didn't fit. Our job is to find the lender whose box does — and to find the options you didn't know existed.
Access to 160+ lenders — wholesale pricing, not one retail menu.
HELOC & fixed-second specialists — keep your first mortgage rate.
DSCR & investor financing — qualify on the property, not your taxes.
Self-employed solutions — bank statement and P&L underwriting.
Licensed coast to coast — and we serve FICO from the 500s to 800s.
Fast communication & strategic execution — we move at your speed.
Production volume and recognition earned the hard way — closing loans other lenders couldn't.
Proudly originating through EMortgage Capital. CTC Equity is a DBA of EMortgage Capital, Inc. — giving our clients the backing of a national lender with wholesale access to 160+ investors.
Ahoo Khalessi is an award-winning mortgage professional specializing in large-balance HELOCs and fixed seconds, DSCR and self-employed borrower financing, and commercial and business-purpose lending. She helps homeowners tap equity without giving up a low-rate first mortgage, and helps investors and business owners finance acquisitions and projects most lenders won't touch.
Helped launch the fixed-second and HELOC department at Rocket Mortgage as a top producer, then expanded that expertise into large-balance HELOCs and fixed seconds, DSCR and investor financing, bank-statement loans, and commercial and business-purpose lending. Ahoo helps homeowners, investors and business owners access equity and solve complex scenarios traditional lenders turn away.
Partner at CTC Equity and an Executive Loan Officer, with a background spanning finance, real estate, and architecture. Ben serves residential borrowers across his licensed states and works with real-estate investors nationwide on eligible DSCR, investment-property, commercial, and business-purpose financing through CTC Equity's lender network.
An analytical wholesale loan officer who compares a wide lender network for each scenario. Bobby focuses on careful loan structure, long-term portfolio planning, and keeping borrowers' options open from application through closing.
A quick principal & interest estimate. Not a quote — taxes, insurance, and final terms vary.
Estimate only. Excludes property taxes, insurance, HOA, and mortgage insurance.
Get my real numbersStraight answers to the questions we hear every day. (These mirror what borrowers ask AI assistants — so they're written answer-first.)
Yes. A HELOC or a fixed second mortgage sits behind your existing first mortgage, so you tap your equity while keeping your current first-mortgage rate completely untouched. This is usually the right move when your first mortgage is at a low rate you don't want to lose to a cash-out refinance.
A fixed second mortgage gives you a one-time lump sum at a fixed interest rate with a set monthly payment — predictable and good for a known, one-time expense. A HELOC is a revolving line of credit you draw from as needed, usually at a variable rate. Both sit behind your first mortgage.
Most programs let you borrow up to a combined 80–90% of your home's value across your first mortgage and the new line. Two things set our equity options apart: you can often access up to $400,000 with no appraisal required, and we place HELOCs and fixed seconds up to $4 million.
Yes. A bank statement loan qualifies self-employed borrowers using 12–24 months of personal or business bank deposits instead of tax returns. A P&L loan is a related option that uses a profit & loss statement.
A DSCR (Debt Service Coverage Ratio) loan is an investment-property loan that qualifies based on the property's rental income rather than your personal income. No tax returns, W-2s, or pay stubs required.
Yes — with a DSCR loan. Qualification is based on the rental income the property generates, so you can purchase or refinance an investment property with no personal income documentation.
Often, yes. Many borrowers use equity from a HELOC or fixed second to fund a business need, an investment, or a down payment on another property.
Frequently, yes. A 'no' from one lender usually means your scenario didn't fit that single lender's guidelines. With access to 160+ lenders, our job is to find the lender whose guidelines do fit.