SECOND MORTGAGES 

A few years ago, when interest rates were around 3%, we helped many clients refinance their mortgages. Now that rates are closer to 6%, refinancing is often less beneficial. For clients who need additional funds, a second mortgage can be an excellent solution.

Common reasons to consider a second mortgage include:

• Consolidating debt
• Making home improvements
• Building an ADU
• Funding travel or other personal expenses

If you are considering a second mortgage or a home equity line of credit for any reason, please feel free to contact me:

Cell: (415) 225-7920
Email: mannykagan@comcast.net

Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983

NMLS #205637
DRE #00874630