Most traditional lenders require you to keep a 20% “equity cushion” in your home. Expanded Access™ is a proprietary product designed to bridge that gap. We use manual underwriting—meaning a human expert reviews your specific financial profile—to allow qualified homeowners to access the full 100% of their equity.

This is a feature designed for maximum cash flow. For the first 60 months of the loan, your required monthly payment only covers the interest. This keeps your out-of-pocket costs as low as possible while you are using the funds for your project. After five years, the loan automatically converts to a standard fixed-rate repayment plan.

In many cases, no. While traditional loans often require a physical walkthrough by an appraiser (which can take weeks), Expanded Access™ often utilizes an Automated Valuation Model (AVM). This digital “equity check” allows us to verify your home’s value and move toward funding much faster.

No. This is a second-lien product. It sits behind your current mortgage, allowing you to get the cash you need without losing the low interest rate you likely already have on your primary home loan.

Not at all. While it offers the speed and high-leverage benefits often associated with private lending, Expanded Access™ is a structured, transparent home equity product with predictable terms and a fixed-rate conversion.

Because we use manual underwriting and often skip the traditional appraisal process, we can bypass many of the “roadblocks” found at big-box banks. Our goal is to get you from application to funding in a fraction of the time of a standard equity loan.