Home isn’t a trendy museum. It’s a lived in, loved place. We’re showing it some love with limited time offers + rates as low as 5.99% APR.
…even if you have a homegrown Frida Kahlo with a crayon that begs to differ.
Don’t leave money on the kitchen table when you could save at least enough to cover the yearly chore salary increase.
You used to follow the latest home trends. Nothing was sticky. Now, every surface has been touched by all the life happening within.
Set a new trend of balanced bills and a house you love coming home to.
We know your calculator is lost in one of the 800 random storage spaces. Borrow ours.
Whether it’s painting outside the trend of beige and grey or knocking out the wall of high-interest debt, a second mortgage turns your home’s equity into major impact.
A second mortgage lets you borrow against the equity you’ve built in your home, separate from your first mortgage.
The most common uses include home improvements, consolidating high-interest credit card debt, energy-efficient upgrades, or high-cost purchases.
A second mortgage usually comes with a fixed rate and fixed payment, while a HELOC works more like a credit card with a variable rate. If you like knowing exactly what to expect each month or just need a one-time large sum, a second mortgage is a good choice.
Equity is the difference between what your home is worth and what you still owe on your mortgage. We can help you calculate that, so you know what numbers you’re working with.
Catch? Who are we, a bank?! Pshaw, right. There is no gotcha moment here. Check out the fine print for full details.
It varies, but most applications move steadily once documents are submitted.
We may ask for typical things like proof of income, mortgage statements, and basic home information. Nothing exotic. If we need something, we’ll ask clearly.
Your existing mortgage stays exactly where it is. A second mortgage is just that–second. Separate loan, separate terms.
* APR = Annual Percentage Rate. Rates as low as 5.99% APR available for qualified borrowers with a loan-to-value (LTV) of 50% or less. Rates, terms, and approval are based on creditworthiness, collateral value, and other underwriting criteria. Higher LTVs may qualify for higher rates.
Closing costs waived on eligible second mortgage loans during the promotional period. Closing cost waiver applies to standard closing fees only and does not include prepaid items such as interest, property taxes, insurance, or escrow funding.
No payments for up to 90 days from loan closing. Interest will continue to accrue during the deferred payment period, and the first scheduled payment will be due 90 days after closing.
Borrowers may have the option to skip one loan payment per calendar year, for an additional fee, during SunWest’s annual Skip-A-Pay promotion, typically offered beginning in October. Skip-A-Pay eligibility, timing, and terms apply. Interest will continue to accrue during skipped payment periods.
Offer valid February 17, 2026 through May 15, 2026, and subject to change or cancellation at any time without notice. Not all applicants will qualify. Other restrictions may apply.
LTV = Loan to Value.
See a representative for complete details, qualifications, and disclosures.
