Cash-Out Second Mortgages in Irvine
Keep Your First Loan in Place.
Tap the equity in your Irvine primary residence or investment property for a business or investment purpose, without refinancing your existing first mortgage, subject to our underwriting.
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Cash-Out Second Mortgages in Irvine
What to Know About Irvine
Irvine is almost entirely master-planned, built village by village from the 1970s onward. Nearly every neighborhood sits under at least one homeowners association, and many of the newer villages are inside Mello-Roos districts.
Irvine homes carry high values and, for many owners, a first mortgage at a rate they’d never get again. A private second accesses that equity for a business purpose on a primary residence, or from a condo or townhome you rent out, without refinancing the first. HOA dues, liens and assessments are part of our review.
How It Works
Cash-Out 2nd Mortgage Terms
Rates, points and fees depend on the property and the deal and are disclosed in writing before you commit.
Where We Lend
Irvine Neighborhoods
We lend throughout Irvine and the rest of Orange County, including these areas.
Straight Answers
Cash-Out Second Mortgages in Irvine: Questions
Does my HOA affect a second mortgage in Irvine?
It’s part of underwriting. We check for past-due dues, liens or special assessments, since those affect your equity position.
Do you lend in Irvine?
Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Irvine, rather than routing them through an out-of-state call center.
Can I borrow against my primary residence?
Yes, when the loan is for a business or investment purpose. That’s what sets us apart from many private lenders who won’t lend on an owner-occupied home. A signed business-purpose statement is required at closing, and the proceeds can’t be used for personal or household expenses.
More in Irvine
Cash-Out Second Mortgages Elsewhere in Orange County
Have Equity in Your Irvine Property?
Tell us about it and we’ll give you a straight answer.
Get Started → or call (818) 937-9987Serving Irvine and Orange County, California
Michael Daniel Investments, Inc.
417 Arden Ave, Suite 121A, Glendale, CA 91203 · (818) 937-9987
California Department of Real Estate DRE# 02037255 and NMLS# 233991.