Loan Programs
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One size never fits all. Explore the range, then talk to a banker.
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NMLS ID 2653540
Loan Programs
Explore our full range of mortgage products. One size never fits all, so we build the right loan for your situation.
Subordinate Cash Out / HELOC
Take cash out without touching your first mortgage. A subordinate lien sits behind your existing first mortgage, so its rate and term stay exactly as they are.
A HELOC (home equity line of credit) is a revolving credit line secured by your home: draw what you need, when you need it.
A second lien cash out is a fixed loan in second position: one lump sum at closing, with your first mortgage untouched.
HyperSmart is a subordinate financing specialist lender. Most subordinate lien lenders are limited to very stringent guidelines. HyperSmart allows for subordinate liens on primary residences, second homes, and investment properties. HyperSmart's subordinate cash out program allows non-traditional qualifications such as bank statement and DSCR, and jumbo subordinate loans to $1 million. HyperSmart also allows for cash out loans on primary residence in highly complex regulatory states such as Texas.
Which option fits depends on your first mortgage, your equity, and what the cash is for. A senior mortgage banker can walk you through it in one call.
Not sure which program fits?
Talk to a mortgage advisor about your specific situation. No obligation, no pressure.
Program availability, rates, and terms are subject to change without notice and to credit approval. Not all applicants will qualify. This is not an offer for extension of credit or a commitment to lend. Kyber Mortgage Corporation dba HyperSmart Home Loans, NMLS ID 2653540. Equal Housing Lender.