Non‑QM Home Equity Loans (HELOANs)

Access Your Home’s Equity Without Refinancing Your First Mortgage

ABC United Finance Corp offers Non‑QM Home Equity Loans (HELOANs) that allow homeowners to tap into their property’s equity through a fixed‑rate second mortgage. This program is ideal for borrowers who want predictable payments, flexible qualification options, and the ability to keep their existing first mortgage intact.

Check Your Home Equity Loan Options

What Is a Non‑QM Home Equity Loan (HELOAN)?

A Home Equity Loan (HELOAN) is a fixed‑rate second mortgage that allows you to borrow a lump sum of money using the equity in your home as collateral. Because this program falls under Non‑QM lending, it offers more flexible qualification options than traditional banks—making it ideal for self‑employed borrowers, investors, and homeowners with complex financial profiles.

Unlike a HELOC, which works like a revolving credit line, a HELOAN provides:

A fixed interest rate
A fixed monthly payment
A set repayment term
A one‑time lump‑sum disbursement

This structure gives you stability and predictability while accessing the funds you need.

What Can You Use a HELOAN For?

A Non‑QM Home Equity Loan is a powerful tool for:

Home renovations or upgrades
Debt consolidation
Education expenses
Medical bills
Major purchases
Investment opportunities
Emergency funds
Paying off high‑interest credit cards
Expanding a real estate portfolio

Because the loan is secured by your home, interest rates are often lower than unsecured credit options.

Who Qualifies for a Non‑QM HELOAN?

This program is designed for borrowers who may not fit traditional lending guidelines, including:

Self‑employed borrowers
Business owners
Real estate investors
Borrowers with significant tax write‑offs
Homeowners who want to avoid refinancing their first mortgage
Borrowers with non‑traditional income documentation

If your financial profile doesn’t fit the “standard box,” a Non‑QM HELOAN may be the perfect solution.

Ready to tap into your home’s equity without refinancing?

Explore flexible Non‑QM HELOAN options for self‑employed borrowers, investors, and homeowners with low‑rate first mortgages.

Start your Non‑QM equity review today.

Scenario	Borrower Profile	Solution	Result
Self‑employed using bank statements	Business owner in Fairfax, VA with significant write‑offs on tax returns	Non‑QM HELOAN qualified using 12–24 months of personal and business bank statements	Accesses a lump sum for renovations and debt consolidation while keeping existing first mortgage
Investor using equity for a new purchase	Real estate investor in Baltimore, MD with multiple properties	Non‑QM HELOAN on primary residence or existing rental to tap equity	Uses funds for down payment on another investment property without refinancing low‑rate first liens
Homeowner keeping a 3% first mortgage	Homeowner in Washington, DC with a 3% first mortgage and rising expenses	Fixed‑rate Non‑QM HELOAN as a second mortgage	Accesses cash without touching the favorable first‑mortgage rate or restarting the amortization clock

Benefits of a Non‑QM Home Equity Loan

Keep your existing first mortgage and low rate
Access cash without refinancing
Fixed interest rate and predictable payments
Flexible income documentation options
Higher loan amounts available
Fast approvals and streamlined underwriting
Ideal for self‑employed borrowers and investors
Works for primary, second homes, and investment properties

Documentation Options

Because this is a Non‑QM program, income documentation is flexible and may include:

Bank statements
Profit & Loss statements
Asset‑based qualification
Employment history
Credit profile
Property equity position

ABC United Finance Corp helps you choose the documentation method that best fits your financial situation.

How a HELOAN Works

Determine your available home equity
Choose your loan amount and term
Provide flexible Non‑QM documentation
Receive a lump‑sum disbursement at closing
Make fixed monthly payments over the life of the loan

This structure gives you stability while unlocking the cash you need.

Feature	Non‑QM HELOAN (Second Mortgage)	HELOC (Home Equity Line of Credit)	Cash‑Out Refinance
Interest Rate Type	Fixed rate	Variable or hybrid	Fixed or adjustable
Payout Structure	Lump‑sum at closing	Revolving line you draw from	Lump‑sum (new first mortgage)
Affects First Mortgage?	No — first mortgage stays intact	No	Yes — replaces your first mortgage
Best For	Self‑employed, investors, homeowners with low‑rate first mortgages	Borrowers who want flexible access to funds over time	Borrowers wanting one new loan with a single payment
Documentation Options	Bank statements, P&L, asset‑based, alternative income	Traditional income documentation	Full income documentation required
Payment Type	Fixed monthly payment	Payment varies based on usage + rate changes	Fixed or adjustable payment depending on loan type
Rate Stability	High — fixed for the life of the loan	Low — rates can rise over time	Medium — depends on loan type
When It Makes Sense	You want cash without touching a low‑rate first mortgage	You need ongoing access to funds	You want to consolidate everything into one new loan

Why Choose ABC United Finance Corp

ABC United Finance Corp specializes in Non‑QM and alternative‑documentation lending, offering homeowners more ways to access their equity. When you work with us, you benefit from:

Expertise in second mortgages and Non‑QM programs
Flexible qualification options
Competitive fixed rates
Fast approvals and smooth closings
Personalized guidance from experienced mortgage professionals
Transparent communication from start to finish

We help you leverage your home’s equity with confidence.

Home Financing Center

⭐⭐⭐⭐⭐ “I’m a self‑employed contractor, so my tax returns never show my real income. ABC United Finance helped me qualify for a Non‑QM HELOAN using my bank statements instead. I was able to pull cash out for renovations without touching my 3% first mortgage. The process was smooth and fast.” — Tony G., Alexandria, VA

⭐⭐⭐⭐⭐ “As a real estate investor, I needed access to equity for my next purchase but didn’t want to refinance my low‑rate first mortgage. ABC United Finance structured a Non‑QM second mortgage that gave me the funds I needed with a fixed rate and predictable payment. Excellent communication from start to finish.” — Lucy L., Rockville, MD

Frequently Asked Questions

Is a HELOAN the same as a HELOC?

No. A HELOAN provides a lump sum with fixed payments, while a HELOC works like a revolving credit line.

Do I need to refinance my first mortgage?

No. A HELOAN is a second mortgage, so your existing first mortgage stays in place.

Can self‑employed borrowers qualify?

Yes. Non‑QM HELOANs are ideal for self‑employed borrowers using bank statements, P&L statements, or alternative documentation.

Can I use a HELOAN for investment properties?

Yes. Many investors use HELOANs to access equity for new acquisitions or renovations.

Is the interest rate fixed?

Yes. HELOANs offer fixed rates and predictable monthly payments.

Ready to Tap Into Your Home’s Equity?

Get flexible Non‑QM Home Equity Loan options with ABC United Finance Corp.

Start Your HELOAN Application