Reach your equity without touching your first mortgage.
You have equity in your house and a first mortgage you would never willingly refinance. A HELOC or a closed-end second lets you access that equity while leaving the loan you are sitting on completely alone. The equity is already yours. This is a way to reach it without giving up what you have.
This is for you if…
- You have a first mortgage you do not want to disturb
- You are planning renovations and would rather not use credit cards
- You want to consolidate higher-cost debt
- You want a reserve in place before the next opportunity
Home Equity Access in Tampa Bay
HELOC
A revolving line you draw against as needed, useful when the total cost is not known up front.
Closed-end second (CES)
A single lump sum with a fixed structure, useful when you know exactly what you need.
Your first mortgage stays put
Neither option requires refinancing the loan you already have.
Fully online
CCM Equity Express Flex is built to be applied for online rather than through a long paper file.
Program availability and eligibility requirements vary and are subject to change. Nothing on this page is a commitment to lend or an offer of specific terms. Not all applicants qualify.
Related guides
Home Equity: common questions
Will this change my current mortgage?
No. Both a HELOC and a closed-end second sit behind your existing first mortgage and leave it exactly as it is.
What is the difference between a HELOC and a closed-end second?
A HELOC is a revolving line you can draw from over time. A closed-end second is a one-time lump sum. Which fits depends on whether you know the full cost up front.
What can I use the funds for?
Common uses are home improvements, consolidating higher-cost debt, or building a cash reserve. Program rules vary on permitted uses.
How much equity do I need?
That depends on the program and on your property. It takes a review of your specific situation to answer honestly.
Other programs
Let’s find out where you actually stand.
One conversation, no cost, no pressure. I’ll tell you what’s possible and what isn’t, including when the honest answer is “not yet.”