Second & Third Mortgages

Private Money Financing for Second & Third Mortgages
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Second & Third Mortgage Program

Our hard money second mortgages are easy to qualify for and can be a great alternative to bank financing for active real estate investors who need funds quickly.


Fixed Term Second Mortgage: Consumer Purpose

  • Owner occupied – consumer purpose
  • 3, 5, or 20-year terms
  • Interest-only term
  • Debt consolidation
  • Max 65–70% combined loan-to-value (LTV)
  • Close in 20–30 days

Fixed Term Second Mortgage: Business Purpose

  • Owner occupied & non-owner occupied
  • 1, 3, or 5-year terms
  • Interest-only
  • For business or investment only
  • Close in 3–7 business days
  • Residential and commercial properties

Revolving Line of Credit

  • Owner occupied business purpose
  • Non-owner occupied business purpose
  • Residential and commercial properties
  • 12, 24, and 36-month terms
  • Pay interest only on funds used
  • Closing in 10–14 days versus bank credit lines (30–60 days)

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply. 

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