03/07/2026
Just funded $1,500,000 in Home Equity Loans for homeowners here in Orange County, CA. 💰🏡
1️⃣ San Clemente Borrower – $750,000 Home Equity Loan
W-2 + self-employed attorney who needed access to a large amount of equity. Most lenders cap their second mortgages at $500,000, but we were able to structure the file using mixed income and asset depletion to secure a $750,000 HELOAN. EMC can go up to $1,000,000 on second mortgages, which made the difference on this file.
2️⃣ Coto de Caza Borrower – $500,000 HELOAN
Self-employed homeowner looking to remodel his property and expand his business. After being turned down by other lenders, we re-worked the income strategy and got the deal approved with better terms than he thought possible.
We structured the loan using a 12-month bank statement program — no tax returns required — allowing us to use 80% of his business deposits as qualifying income, which made the numbers work and got the deal funded.
Both files had previously been declined elsewhere. With the right loan strategy and lending partners, we were able to get them funded.
Who you work with matters. If you’ve been told no before, it may just mean you haven’t talked to the right lender yet.
📩 DM me if you want to see what your home equity options look like.
