25 BPS Price Improvement*
Reach more clients with Non-QM Seconds Mortgages!
Non-QM Second Mortgages provide the option to tap into the equity of a home to access cash without it affecting the rate on the original loan. Plus, it gives your clients the ability to borrow a lump sum all at once for whatever they need.
Program Highlights
- Credit Scores Down to 660
- Loan Amounts up to $750,000
- 3 & 12 Month Bank Statement Income
- P&L
- DSCR
- 1099
- WVOE
- Asset Depletion
- 1 YR Self Employed
- Owner Occupied, Non-Owner Occupied, 2nd homes
- 90% CLTV
- Terms: 10, 20, 30 Year Fixed Terms
- Non-Warrantable Condos Eligible
Why Non-QM Seconds Make Sense:
• Get Cash out without refinancing your existing loan
• Seconds do not require Mortgage Insurance
• Rates on Seconds are often better than on lines of credit
• Lower the down payment on a home purchase when paired with a first lien*
• Pay for a large purchase such as; home improvements, home renovations, college expenses or medical bills.
• Fixed Term rates available
• Purchase, Rate/Term Refinance and Cash-Out Refinance available
*Eligible only in conjunction with Giant Lending first liens.
*Non-QM Specials exclude Seconds (Closed-End or Stand-Alone), except where noted.
Closed-End Seconds Specials: eligible only in conjunction with GIANT Lending first liens. See our Closed-End Seconds matrix for details. Loans originated in US Territories and the following states are ineligible: MI NJ, NY, TN, TX, WV. Restrictions apply. Contact your account Executive for details. Important to note that a Closed-End Second Mortgage may typically have a higher interest rate than the first lien mortgage.
April Special Offers valid for loans locked between 4/1/2026 and 4/30/2026. All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated. Terms, restrictions, and conditions apply. This is not a commitment to lend.
Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.
GIANT Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.