For California homeowners 55+
Take cash out of your home without giving up your rate or adding a payment.
Not a refinance. Not a HELOC. A second mortgage called HomeSafe Second.
- No credit pull
- Takes 60 seconds
- Free, no obligation
- Equity you own
- $250,000+
- Anything still owed
- Counted first. Your cash comes from the rest.
Example home. Your numbers will differ.
- San Clemente, CAServing homeowners across California
- Family-operatedDecades of industry experience under one roof
- NMLS #2026203CA DRE Real Estate Broker #02126127
A third way to borrow against the home you've paid into.
Most homeowners hear about two ways to reach their equity. A cash-out refinance replaces your mortgage, and your rate, on the whole balance. A HELOC keeps your mortgage but adds a monthly payment, and the bank checks whether your income can carry it. For many homeowners living on Social Security or a pension, that check is where the answer turns into no.
A HomeSafe Second is a second mortgage built for that gap. If you have a mortgage, it stays exactly as it is. You receive cash from your equity, and the new loan has no required monthly payment. Interest is added to the balance instead, and the loan is repaid when the home is sold or you no longer live there. You can pay toward it any month you choose.
The real question is whether it belongs in your plan. If it does, we will show you how. If something else fits better, we will say so.
Refinance or HELOC
A refinance resets the rate on your whole mortgage. A HELOC adds a monthly payment your income has to qualify for.
HomeSafe Second
Your current rate stays put. Cash comes from your equity, with no required monthly payment on the new loan.
Home equity is all we do, for people in retirement or getting close.
Most lenders treat home equity as one product on a long menu. Green Monarch is a family-operated company that has spent its years on one kind of client: people in or near retirement who want their home to help pay for the life they planned. Sometimes that means a second mortgage, sometimes a different program, and sometimes the right advice is to wait. Because we are a family office in San Clemente, the conversation stays with the people you met.
- Since 2009Serving California homeowners
- 0Officers who stay on your file
- 0Office, in San Clemente
- Who we are
- A family-operated California home equity company led by Dave Bancroft, President, and Lucas McConnell, Vice President.
- Where we work
- San Clemente and Orange County first, and homeowners across California.
- How we are licensed
- Green Monarch Inc., NMLS #2026203. California Department of Real Estate, Real Estate Broker #02126127.
Our family
A family company, for your family's biggest decision.
Green Monarch is led by Dave Bancroft, President, and Lucas McConnell, Vice President. When you reach out, the people who answer know your file. They understand that borrowing against your home is a family conversation, usually with adult children in the room.
Solutions that work, with a team that cares.
Lucas McConnellVice President
Dave BancroftPresident
-
Dave Bancroft President
Faith, family, and finance. Dave has spent his career helping retirees reach lasting financial security and is known for ethical lending and personal service.
-
Lucas McConnell Vice President
Lucas works to widen what is possible for retirees seeking financial freedom, with a focus on education and long-term fit.
Is this worth a 60-second look?
HomeSafe Second is built for homeowners with real equity and a real reason to use it. Program rules vary by state and property. We confirm what applies to you, and if a different equity program fits better, we will tell you.
-
A reason for the cash
Credit cards, a new roof, medical bills, or the gap between Social Security and the month.
-
The home you live in
Built for your primary residence, not a vacation or rental property.
-
Equity you can see
If your home is worth well more than you owe, or you owe nothing at all, that equity is what we work from.
Success stories from the Green Monarch desk.
Before Green Monarch had a website worth bragging about, Dave wrote letters about the people he worked with. Two of them, from the summer of 2019, say more about how we work than any brochure.
The safety net Charlie built before he needed it
His house was paid off and his checking account was healthy. Then his wife got sick. A line of credit he opened "just in case" became the money that paid for better care, when it turned out he was the one who needed it.
Read the story Client letter · July 2019How Darlene kept the Palm Springs condo
After her husband passed, two mortgages were draining $3,200 a month and the family condo was headed for a listing. One loan cleared both payments, kept the condo, and left a line of credit for whatever comes next.
Read the storyWhat happens when you reach out
Share a few details about your home and goals. A specialist from Green Monarch reviews the scenario and follows up. No hard credit pull from this step. No obligation to proceed.
-
A few details
Your home, roughly what it's worth, and what the cash is for. This is not a loan application, and there's no credit pull.
-
The team runs your numbers
A Green Monarch specialist reads your answers, estimates what you may be able to access, and calls you personally. The phone number is on the confirmation page.
-
You decide
If a HomeSafe Second fits, you see the numbers and disclosures before anything is signed. If another option fits better, or none does, you will hear that too.
Ready when you are
Your home has carried you this far. Let it help with what comes next.
Share a few details and the Green Monarch team will show you what your home could put in your hands. No pressure from a webpage.