A piggyback loan is a second mortgage taken at the same time as your first mortgage. It allows you to:
Common piggyback structures include:
Piggyback loans are ideal for buyers who want to maximize flexibility and minimize upfront costs.
Home Purchase Loans
A stand‑alone home equity loan or HELOC is a second mortgage taken after your first mortgage is already in place. This option is perfect when you want to:
We offer:
Borrowers can choose the structure that best fits their financial goals.
Home Refinance Loans
For borrowers who don’t fit traditional lending guidelines, we offer Non‑QM home equity options, including:
These programs are designed for self‑employed borrowers, real estate investors, and anyone with alternative income documentation.
Non-QM Loans
Ready to access your home’s equity? Our team will help you compare piggyback, stand‑alone, and Non‑QM home equity options to find the best fit. Contact us today to get personalized guidance and fast approval.
| Scenario | Product Type | Purpose | Result |
|---|---|---|---|
| Buying in Fairfax, VA with 10% down | Piggyback 80/10/10 | Avoid PMI and keep first mortgage at 80% LTV | Buyer closes with lower monthly payment and no PMI |
| Renovating a townhome in Silver Spring, MD | Stand‑alone HELOC | Fund $75,000 in kitchen and bath upgrades | Homeowner keeps existing low‑rate first mortgage and taps equity as needed |
| Self‑employed investor in Washington, DC | Non‑QM HELOC (bank statement) | Access equity for down payment on another rental | Investor qualifies using bank statements instead of tax returns |
Whether you’re purchasing a home, refinancing, or simply tapping into your equity, we’ll help you choose the right home equity solution for your goals.
⭐⭐⭐⭐⭐ “I used a stand‑alone HELOC from ABC United Finance to renovate my kitchen. The process was fast, the terms were clear, and I didn’t have to touch my low‑rate first mortgage. Their team made everything simple.” — Laurie M., Chevy Chase, MD
⭐⭐⭐⭐⭐ “As a self‑employed investor in Washington, I needed a flexible way to access equity without traditional income documentation. ABC United Finance helped me secure a Non‑QM HELOC using my bank statements. Smooth process and excellent communication.” —Jim R., Washington, DC
Get personalized options for HELOCs, HELOANs, and piggyback loans—tailored to your goals and property type.
A piggyback loan is a second mortgage taken at the same time as your first mortgage, often structured as 80/10/10 or 80/15/5. It helps borrowers avoid mortgage insurance, reduce their down payment, or qualify for a better first‑mortgage structure.
A HELOC is a revolving line of credit with a variable rate, while a HELOAN is a fixed‑rate second mortgage with predictable monthly payments. Both allow you to access equity without refinancing your first mortgage.
Yes. A stand‑alone HELOC or HELOAN lets you tap into your home’s equity while keeping your existing first‑mortgage rate and terms.
Yes. We provide Non‑QM home equity options including bank‑statement HELOCs, DSCR‑based second mortgages for investors, and asset‑qualifier programs for borrowers who need flexible documentation.
Yes. We offer home equity solutions for investment properties, including Non‑QM and DSCR‑based second mortgages.
Common uses include home improvements, debt consolidation, down payment funds, tuition, medical expenses, or investment opportunities.
Yes. Our home equity programs are available for primary residences, second homes, and investment properties across Maryland, Virginia, and DC.
It depends on your goals. Piggyback loans are ideal for purchases, stand‑alone HELOCs/HELOANs are great for accessing cash without refinancing, and Non‑QM options work best for self‑employed borrowers or investors. We can help you compare all options.
We proudly serve homeowners across Maryland, Virginia, and Washington DC
