Refinance and Second Loans

At People Capital Finance, we offer smart, strategic refinancing and second loan solutions designed to help you make the most of your home equity. Whether you're looking to lower your monthly payments, consolidate debt, access cash for investments, or finance a major purchase, we tailor each option to your financial goals. We specialize in working with self-employed borrowers, investors, and clients with unique income structures, offering flexible underwriting and creative loan structures. Our team ensures a smooth process and personalized guidance every step of the way. 

• Home Equity Line of Credit (HELOC) :  Credit line independent from 1st mortgage

• Home Equity Loans: Loans backed by a second mortgage, good choice not to terminate current low interest loan

• Refinance Loan:  With or without cashout feature