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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Laguna Hills, CA · Business-Purpose Lending

Cash-Out Second Mortgages in Laguna Hills
Keep Your First Loan in Place.

Check Your Eligibility ↓
Call (818) 937-9987Get Started

Tap the equity in your Laguna Hills primary residence or investment property for a business or investment purpose, without refinancing your existing first mortgage, subject to our underwriting.

✓ Keep your 1st mortgage
✓ Primary or investment property
✓ Equity-based approval
✓ $50K–$5M+
✓ Self-employed or turned down by a bank? We look at the equity first.
Check Your Eligibility
No obligation. A real person will follow up.

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Know Before You Call

Do You Qualify? What to Expect

Up to 65% Combined LTV
Your first mortgage plus the new 2nd can total up to 65% of the property’s appraised value in California.
$50K to $5M+
Loan amounts start at $50K.
Business or Investment Purpose Only
Proceeds go to a business or investment use, and you sign a business-purpose statement at closing.
Rates and Fees in Writing
You get the rate and fees in writing before you commit to anything.

Quick Self-Check

Is This the Right Loan for You?

This May Be a Fit If…
  • You own a home or investment property in California with real equity in it.
  • The money is going to a business, an investment property or a project.
  • You need $50K or more.
This Probably Isn’t a Fit If…
  • You need to borrow more than 65% of the property’s value, counting your first mortgage.
  • The money is for personal or household expenses.

Cash-Out Second Mortgages in Laguna Hills

What to Know About Laguna Hills

Laguna Hills runs along the 5 freeway in south Orange County and incorporated in 1991, though most of its homes were built in the 1960s and 1970s. Nellie Gail Ranch, in the southern part of the city, has large equestrian lots and riding trails, and the rest is mostly tract and planned neighborhoods around a medical and retail core.

Many Laguna Hills homes are now more than fifty years old, and owners who bought in the 1980s or 1990s have watched values climb well past their remaining loan balance. A private second for a business purpose on your residence, or for investment on a rental, gets at that equity and leaves the first mortgage alone. In Nellie Gail and other HOA areas, dues are part of the review.

How It Works

Cash-Out 2nd Mortgage Terms

Your Primary Residence
Borrow against the home you live in when the money goes to a business or investment use. A signed business-purpose statement is part of closing.
Investment Property
Pull equity from a rental or other investment property and leave the first loan alone.
Keep Your First Mortgage
No need to give up a low-rate first loan just to access the equity behind it.
$50K–$5M+
Loan Amounts
2nd Position
Behind Your Existing 1st
Business Purpose
Primary or Investment Property

Rates, points and fees depend on the property and the deal and are disclosed in writing before you commit.

Where We Lend

Laguna Hills Neighborhoods

We lend throughout Laguna Hills and the rest of Orange County, including these areas.

Nellie Gail Ranchneighborhoods along Moulton Parkwayneighborhoods along Paseo de ValenciaRidge Route areaneighborhoods near the Laguna Hills Community Center

Straight Answers

Cash-Out Second Mortgages in Laguna Hills: Questions

I’ve owned my Laguna Hills house since the 1990s and still have a first mortgage. Can I add a second?

Yes. The second sits behind your current first, which stays as it is. It needs to be for a business purpose on your residence or an investment purpose on a rental.

Do you lend in Laguna Hills?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Laguna Hills, rather than handing them to 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 Laguna Hills

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Cash-Out Second Mortgages Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveSanta AnaOrangeWestminsterBuena ParkTustinLaguna NiguelSan ClementeLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointLaguna BeachSan Juan CapistranoSeal BeachStanton

Have Equity in Your Laguna Hills Property?

Tell us about it and we’ll give you a straight answer.

Get Started → or call (818) 937-9987

Serving Laguna Hills 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.