Pull Cash From Your Home Equity—Keep Your Low First Mortgage Rate.
Pay off high-interest credit card debt or fund home improvements with a second mortgage—without touching the low rate you already locked in on your first mortgage.
- Same-day response
- No impact to get started
- 27 years of experience
4.9 from 39 Google reviews
The Problem We Solve
Stuck Between High-Rate Debt and a Low-Rate Mortgage?
You worked hard to lock in a low first mortgage rate. But credit card debt and home expenses keep piling up—and refinancing would mean giving up that rate. You shouldn't have to choose.
Right Now
- High-interest credit card balances growing each month
- Home improvements you need but can't fund
- Worried a refinance would erase your low first mortgage rate
- Monthly payments stretched across multiple debts
With a Home Equity Loan
- Cash from your equity to pay off high-interest debt
- Fund improvements that add value to your home
- Your low first mortgage rate stays completely intact
- One simpler payment instead of scattered balances
What We Offer
Tap Your Equity the Smart Way
Focused on the financing that helps Georgia homeowners access cash—without disturbing a great first mortgage rate.
Home Equity Loans / Second Mortgages
Borrow against your home's equity with a separate second mortgage—your first mortgage and its low rate stay untouched.
Access cash without refinancing.
Debt Consolidation
Use your equity to pay off high-interest credit cards and personal loans, rolling them into one lower-rate payment.
Lower your monthly cost.
Home Improvement Financing
Fund renovations, repairs, and upgrades that increase your home's value using the equity you've already built.
Invest in your home's worth.
Why Georgia Homeowners Choose Exos
A Smarter Way to Access Your Equity
Keep Your Low First Mortgage Rate
A second mortgage lets you access equity separately—so the low rate you locked in on your first mortgage stays exactly where it is.
27 Years of Mortgage Experience
Nearly three decades serving the Georgia real estate and mortgage community means a lender who's seen every situation.
Same-Day Response
You won't wait in the dark. Submit your request and hear back the same day so you can move forward quickly.
4.9-Star Rated by Homeowners
Real Georgia homeowners rate Exos Mortgage 4.9 stars across 39 reviews—because the process is clear and the guidance is honest.
How It Works
Three Simple Steps to Your Equity
No complicated process. No pressure. Just a clear path from request to cash.
Request Your Prequalification
Submit a quick, no-obligation form or call us. Tell us what you need—cash-out, debt consolidation, or improvements.
Review Your Options
We review your equity and goals, then walk you through second mortgage options that keep your first mortgage rate intact.
Access Your Cash
Once approved and closed, the funds from your home equity are yours to pay off debt or complete your projects.
Homeowner Reviews
Trusted by Georgia Homeowners
"Thank you for all your help, you were professional, well knowledgeable and proficient in your field. I will definitely spread the word to all my family and friends. You are the best. God bless you."
"Mike is the consummate professional who will find the best loan for your particular circumstances. He is my preferred lender for all my buyers looking to get pre-approved and funded for their real estate transaction. Genuine guy with great character."
"Mike was most helpful, knowledgeable, considerate, prompt and encouraging. He kept me informed in each phase of the process. He made it seem so easy."
Financing Options
Home Equity Loans & Second Mortgages
A home equity loan (second mortgage) lets you borrow a lump sum against the equity you've built—separate from your first mortgage. That means you keep your existing low first mortgage rate while still accessing the cash you need.
- Lump-sum funding for debt payoff or projects
- Fixed terms with predictable payments
- Your first mortgage rate stays untouched
- Funds can be used for nearly any purpose
Where We Serve
Home Equity Loans Across All of Georgia
From the mountains of North Georgia to the coast, Exos Mortgage helps homeowners statewide access their home equity. Wherever you are in Georgia, we're ready to help.
Serving Homeowners Statewide
We serve all of Georgia. Not sure if a home equity loan fits your situation? Reach out and we'll help you understand your options.
Questions Answered
Frequently Asked Questions
Can I access my home equity without refinancing my first mortgage?+
Yes. A home equity loan (second mortgage) is a separate loan against your equity. Your first mortgage and its rate remain completely intact.
What can I use the cash for?+
Common uses include paying off high-interest credit card debt, consolidating multiple balances, and funding home improvements or repairs. Funds from a home equity loan can generally be used for a wide range of purposes.
How is this different from a cash-out refinance?+
A cash-out refinance replaces your entire first mortgage—meaning you'd lose your existing low rate. A second mortgage sits on top of your first mortgage, so you keep that rate while still accessing cash.
How quickly will I hear back after I submit a request?+
We aim to respond the same day you submit your prequalification request.
Does getting prequalified affect my credit?+
Getting started with a prequalification request is no-obligation. We'll discuss your situation and options before any formal credit steps. Ask us for details on how and when credit is pulled.
What areas of Georgia do you serve?+
We serve homeowners across all of Georgia. Reach out and we'll confirm we can help with your property.
How much equity can I access?+
The amount depends on factors like your home's value, your existing mortgage balance, and your credit profile. We'll review your specifics and walk you through available options.
How experienced is Exos Mortgage?+
We bring 27 years of experience serving the real estate and mortgage community, with a 4.9-star rating across 39 Google reviews.
Ready to Put Your Equity to Work?
Get prequalified today and find out how much cash you could access from your home equity—while keeping your low first mortgage rate right where it is. Same-day response, no obligation.