Mortgage and Refinance Loans
Fixed Second Mortgages
Put Your Equity to Work with Confidence
Predictable Financing, Backed by Your Home’s Equity
Access the value you’ve built in your home with a fixed-rate loan that offers predictable payments and funding for what’s next.
Turn Built Equity Into New Possibilities
The equity you’ve built can help support life’s bigger goals, from planned renovations to education expenses, with stable payments and a structured payoff timeline.
Create More Financial Clarity
Use your home’s equity to consolidate higher-interest debt into one predictable monthly payment with a fixed rate and structured repayment schedule.
Fund Life’s Bigger Plans with Confidence
Use the equity you’ve built to help cover major expenses like education, planned purchases, or other important milestones with predictable payments and a clear repayment schedule.
Fixed-Rate Second Mortgage
You have worked hard to build equity in your home. A fixed-rate second mortgage can help you put that equity to work with predictable payments and a set repayment schedule.
A Fixed-Rate Second Mortgage may be a great fit for:
Home Improvements
Education Expenses
Debt Consolidation
Major Life Expenses
Competitive fixed second mortgage rate to help you feel at home
Explore competitive rates and flexible terms to find a home financing option that fits your goals.
Fixed Second
FAQs
Have a question about mortgage? Find answers to the most common ones below.
What is a fixed-rate second mortgage?
A fixed-rate second mortgage lets you borrow against your home’s available equity as a lump sum with a fixed interest rate, predictable monthly payments, and a set repayment term.
Is a fixed-rate second mortgage right for me?
If you have a specific expense in mind and want a set payment schedule, a fixed-rate second mortgage may be a strong fit.
Do you have anything available to help me calculate my options?
Check out these calculators to help you explore your possibilities
Second Mortgage vs HELOC
A fixed-rate second mortgage provides the full loan amount upfront in one lump sum, which can be helpful when you have a planned expense and a defined budget. If you are not sure which option is right, our team can help you compare the possibilities.
How do I make a payment on my mortgage
You can make a payment on your first mortgage through Centennial Lending’s payment portal
Meet our mortgage team.
Have questions? Our team is here to walk you through every step — from loan options to closing day.
Stacy Aurich
VP of Mortgage and Commercial
NMLS: 608151
Horst “Bluey” Kwech
1st Mortgage Sales Manager
NMLS: 1096272
Jason Harris
1st Mortgage Officer
Primary Location: 7th Avenue Branch, Cheyenne, WY
Serving Cheyenne and Wyoming Markets
NMLS: 644671
Joe Kalb
1st Mortgage Officer
Primary Location: 287 Branch, Lafayette, CO
Serving Northern Metro, the Front Range and Granby, CO.
NMLS: 1096272
Dawn Howard
1st Mortgage Officer
Primary Location: Yale Avenue Branch, Denver, CO
Serving the Denver Metro area
NMLS: 608151
Chris Kim
1st Mortgage Officer
Primary Location: Blue FCU Headquarters
Serving Northern Colorado and Blue Headquarters
NMLS: 1452013
Allison Mann
1st Mortgage Officer
Primary Loaction: Dublin Blvd Branch, Colorado Springs, CO
Serving Souther Colorado and Southern Mountain Communities
NMLS: 1490621
Ready to take the next step?
Stability for Life’s Bigger Expenses, apply for a fixed second or finish line mortgage today.