HomeSafe Second — Access Equity Without Refinancing

Tap into your home equity as a second lien — preserving your existing low-rate first mortgage while still accessing cash, with no required monthly payments on the second.

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What is HomeSafe Second

Keep your low rate. Still access your equity.

HomeSafe Second is designed for homeowners who have a low-rate first mortgage they want to keep — but still need access to their home equity. Instead of a full refinance, it works as a second lien on your property.

You keep your existing mortgage. A second reverse mortgage is added on top. No required monthly payments on the second — just continued payment of your existing first mortgage, along with property taxes and insurance.

“HomeSafe Second is one of the most underused tools in retirement planning. If you locked in a great rate on your first mortgage, there’s no reason to give that up just to access equity.”

— Aaron Johnson, Sr. Mortgage Advisor

Overview Video

How HomeSafe Second Works

VIDEO OVERVIEW

✓ Preserve Your First Mortgage Rate

No refinancing means your existing low-rate first mortgage stays exactly as-is.

✓ No Monthly Payments on the Second

The reverse second lien requires no monthly payment — you continue paying only your first mortgage.

✓ Access Equity Without Selling

Stay in your home and access cash you need without disrupting your existing mortgage structure.

Example Scenario

How it could work for you.

Sample Homeowner Scenario

For illustration purposes only — not a loan offer

Home Value$900,000

Existing 1st Mortgage Balance$320,000 at 3.1%

Home Equity$580,000

HomeSafe Second Loan Amount~$120,000–$180,000 (est.)

Existing 1st Mortgage PaymentUnchanged — stays as-is

Monthly Payment on the 2nd$0 required

Estimates only. Actual loan amounts depend on age, property value, existing liens, program guidelines, and lender underwriting. Contact Aaron for a personalized analysis.

Common Questions

HomeSafe Second FAQ

Do I still need to pay my first mortgage?+

Yes. HomeSafe Second is a second lien, not a replacement for your first mortgage. You continue making your existing first mortgage payment as normal. The HomeSafe Second itself requires no monthly payment.

Who is this product best suited for?+

HomeSafe Second is ideal for homeowners who have a low-rate first mortgage they want to protect, have significant equity, and need access to additional funds for retirement expenses, home improvements, or other goals — without giving up their existing mortgage terms.

Is there a minimum age for HomeSafe Second?+

Yes. Like other HomeSafe products, the minimum age is generally 55 in most states, though it can vary. Contact Aaron to confirm eligibility requirements in your state.