FundLoans offers the industry's only bank statement 2nd up to $1MM. This is a home equity loan, not a HELOC. All funds are distributed at one time. These cash-out, debt consolidation, or piggy-back purchase junior lien programs are for primary residences, second homes, or 1‐4 unit investment properties.

This program is for your borrowers who want to access their equity and keep their low-rate first mortgage. Use our blended rate calculator to comprehend the value.

Some use cases may include: 100% cash-in-hand, high-interest credit card debt consolidation, real estate investments, renovations, new vehicle purchase, paying for college tuition.

Contact an account executive or price your loan now!


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  • 1-year bank statements, 24-month P&L + 2 bank statements, or 1-year full doc
  • Up to 75% CLTV
  • Minimum credit score: 680 FICO
  • Max combined loan amount: $5MM
  • Fixed terms: 10/15/20/30
  • Interest-only available on 30 year term
Aspire X-1

  • 1- or 2-year bank statements or 1-or 2-year full doc
  • Up to 90% CLTV on full-doc, 85% on bank statements
  • Minimum credit score: 660 FICO
  • Max combined loan amount: $2.5MM
  • Fixed terms: 10/15/20/30
  • Balloon terms 30/15 - 40/15 (minimum $200K loan)

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