Second Lien · Behind a VA First
The VA doesn't offer its own home equity loan or HELOC; its only equity option is a cash-out refinance that replaces your first loan. To keep your VA first in place and still tap equity, you use a conventional second lien from a private lender.
Fewer lenders write seconds behind a VA first, which is why veterans get sent to "shop around." We originate them.
Your VA loan stays the senior, first-position lien, unchanged. The conventional second is a separate, subordinate loan behind it. Combined loan-to-value matters since the second sits on top of your existing VA balance, so available equity depends on your value and payoff.
Why us: we specialize in veteran files and originate fixed second liens through Focus Home Mortgage Inc., NMLS #2769672
No. To keep your first intact you use a conventional second lien from a private lender.
Yes, it sits in subordinate position behind your VA first, which stays in place.
A second behind a VA first carries more risk, so not every institution offers it. We do.
