Equity Advantage
Unlock Opportunity with Oaktree’s Equity Advantage
As a loan officer, you know not every borrower fits neatly inside agency guidelines. That’s where Oaktree’s Equity Advantage program comes in—a flexible second lien solution designed to help you serve homeowners and investors who need creative ways to tap into their equity.
Ideal Borrower Profile
Equity Advantage is built for borrowers who’ve accumulated significant equity but don’t want to disrupt their first mortgage or go through the hoops of a cash-out refi. These are often borrowers who:
- Recently locked in a low first mortgage rate and don’t want to refinance the entire loan.
- Need access to cash quickly for reasons like home improvements, consolidating high-interest debt, or expanding their real estate portfolio.
- Are self-employed, business owners, or entrepreneurs with strong cash flow but non-traditional income documentation.
- Own multiple properties and want to leverage equity on second homes or investment properties to fund new opportunities.
- Have unique financial profiles, recent credit events, or non-W-2 income sources that make agency loans a challenge.
In short, this product is ideal for borrowers whose life situations don’t align with cookie-cutter financing—but who still have strong equity positions and the ability to repay.
Why Equity Advantage Makes Sense
For these clients, traditional options often fall short. A full refinance could mean losing a great rate, and many second lien lenders impose rigid guidelines that don’t account for real-world borrower complexities.
Equity Advantage solves that problem by:
Allowing various documentation options—whether full doc or bank statements—making it easier to qualify self-employed or alternative income borrowers.
Offering owner-occupied, second home, and investment property flexibility—giving borrowers options beyond their primary residence.
Accommodating seasoned borrowers with past credit events who’ve since regained stability but don’t meet traditional seasoning rules.
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The Oaktree Difference
Plenty of lenders offer second lien products—but here’s where Oaktree stands apart:
- Common-sense underwriting: Our team looks beyond the numbers and applies real-world logic to each file. We understand the entrepreneurial borrower and self-employed landscape.
- No overlays on key items: Where others might have layers of unnecessary restrictions, we streamline the process to get loans done faster and cleaner.
- Support you can count on: We pride ourselves on fast turn times, direct access to decision-makers, and a hands-on approach that helps loan officers close more deals—without surprises at the 11th hour.
