Keep Your 3% Mortgage. Get Cash with a Fixed Home Equity Loan.
Tap into your home's equity without touching your first mortgage.
Call Us Today: (949) 346-4480
Tap into your home's equity without touching your first mortgage.
Call Us Today: (949) 346-4480
Also known as a Fixed Second Mortgage or Closed-End Second, this option lets you borrow a lump sum against your home’s equity — with a fixed interest rate and predictable monthly payments.
It’s perfect when you know exactly how much you need — like for debt consolidation, home improvements, or big-ticket expenses.
A HELOC is a flexible, revolving credit line tied to your home’s equity. You can borrow as needed during the draw period and only pay interest on what you use.
It’s a great fit for ongoing projects, unexpected expenses, or if you want the option to borrow, repay, and borrow again — on your terms.
With 20+ years in the mortgage industry and over 3,000 closings, I specialize in helping homeowners tap into their equity — to get themselves in a better financial position. Whether it's a Fixed Second Mortgage or a HELOC, refinance or purchase, I know how to structure smart solutions that make sense for your goals.
I’ve been honored as a multi-time President’s Club winner for mortgage origination, served in the U.S. Army, and above all, I’m a proud dad.
If you’re sitting on equity but unsure how to access it without giving up your low rate — let’s find the right path forward.
Zachary Hamman
Sales Manager, Mortgage Advisor
NMLS #925090
949-346-4480 Office
LendSmart Mortgage | Powered by American Pacific Mortgage | NMLS #1850
"I was extremely satisfied with the process during the refinancing of my home. Mr. Hamman and his team were very helpful and informative. They made my loan process very smooth without any stress."
Ronny, CA
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.