You Kept Your 3% Rate. Now Fix the Debt That Crept In.
A fixed 30-year second mortgage pulls equity out of your home — without touching your first mortgage. One payment. Known end date. Your rate stays locked.
See if you qualify — free, no commitment.
No pressure — just honest guidance from a local expert.
Submit this and within 48 hours you’ll know exactly where you stand.
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You protected your rate. But the debt didn't stop.
You locked in a 3% mortgage a few years ago. Smart move. Then life kept moving — credit cards, a medical bill, a home project, a HELOC that felt flexible at the time.
Now you're carrying $40, $50, maybe $60,000 in high-interest debt. Every minimum payment just buys you another month on the same balance. Nothing moves.
The advice you keep hearing? Refinance and consolidate.
But that means trading your 3% mortgage for a 7%+ mortgage. You'd be paying off debt by creating a bigger one. That's not a solution — that's a different problem.
You don't have to refinance. You have another option.
Consolidate Your Debt
Your high-interest debt consolidates into one fixed payment.
Fixed Rate, Fixed Term
The rate starts around 7.25% — not 24% on a credit card.
Every Payment Counts
You have a known payoff date — not an endless revolving balance.
Close the Treadmill
Every payment from day one reduces principal.
If you have a HELOC that hasn't budged in two or three years, this closes that treadmill. Fixed rate. Fixed term.
Actual progress.
| What You Have Now | With a 30-Year 2nd Mortgage | |
|---|---|---|
| First Mortgage Rate | 3% ✓ | 3% ✓ (untouched) |
| Credit Card / HELOC Rate | 18–27% | Gone — consolidated |
| Monthly Minimum Payments | Multiple, unpredictable | One fixed payment |
| Payoff Date | Unknown | Known |
| Principal Progress | Little to none | Every payment counts |
This is worth a conversation if:
You have a mortgage rate under 5% you don't want to lose
You're carrying $25,000+ in credit cards, a HELOC, or other high-interest debt
You have equity in your Utah home
You're tired of paying minimums that don't move the needle
Nelson Barss
Principal Broker, NMLS #201517
10 years. One job: give you a straight answer.
Nelson Barss has been a licensed mortgage broker in Utah since 2003. He's not here to sell you a loan — he's here to tell you whether this one makes sense for your situation. If it doesn't, he'll tell you that too.
He's personally at every closing.
What Our Clients Say
Real 5-star Google reviews from clients like you.
Travis Webb
"Nelson made the whole process very easy...we were first time home buyers. Him and his team did most of the work. I would highly recommend Nelson and his team!"
Sarah M.
"We closed in just 19 days! Nelson kept us informed every single step. As first-time buyers, we had a million questions and he answered every one patiently."
Jake & Emily R.
"The earnest money guarantee gave us the confidence to make an offer in a competitive market. Nelson truly works for you, not the bank."
David Chen
"Nelson helped us navigate FHA loans and Utah Housing programs we didn't even know existed. Saved us thousands on our down payment."
Amanda Stark
"Painless experience from start to finish. Communication was constant, and we never felt pressured. This is how buying a home should feel."
Common Questions
Will this affect my first mortgage rate?
No. A second mortgage is a completely separate loan. Your first mortgage — rate, payment, terms — is untouched.
What rate can I expect?
Rates on 30-year fixed second mortgages currently start around 7.25%. That's the conversation we'll have on your free call — based on your equity, credit, and debt picture.
How is this different from a HELOC?
A HELOC is variable and interest-only. You can borrow and re-borrow, which sounds flexible — but most people end up making payments for years without reducing the balance. A fixed second mortgage has a set payment and a set end date. You actually pay it off.
Do I need perfect credit?
No. Requirements vary by lender. We'll tell you where you stand in the first conversation.
How fast can this close?
Typically 3–4 weeks. We move fast because we know waiting costs you real money every month.
What does the call cost?
Nothing. No application fee, no obligation. Just a straight conversation about whether the numbers work for you.
The math either works or it doesn't.
Let's find out.
Free assessment. No pitch. Nelson will look at your actual numbers and tell you exactly where you stand.