Welcome CPA and SLFS Professionals!

Bridge Financing with low rates and great service!
Real Estate Solutions | Home Sale Solutions |  Insurance and more.

Payment Options for Senior Living

We welcome you as professionals of Columbia Pacific Advisors and Senior Living Financial Specialist.  The team at Second Act is here to assist you every day. From Bridge Financing, to Real Estate and Insurance Solutions, help is available. As a senior-focused Division of Liberty Savings Bank F.S.B. of Wilmington, Ohio, we are pleased to be a part of your solutions.  Scroll below to learn and access solutions that can help you help more families move to senior living!

Meet Sam! She has a home to sell. But Sam wants to move into her senior living community first!

Meet Victoria! She is a Veteran’s spouse applying for VA Benefits. But Victoria wants to move into her senior living community first!

 Take me to:                    

Bridge Loan Solutions

Insurance Solutions

Home Sale Solutions

Meet Sam. She wants to make the move.

Bridge Loan Benefits:

1.  You gain breathing room and time to sell your home on your own terms.

2.  It is easier to stage, show and sell your home for the best price if you are not living in it.

3.  You make smaller, more affordable interest-only monthly payments on what you draw from your Home Equity Line of Credit bridge loan to pay for your housing or care. 

Unsecured Personal Loan
Bridge Financing Benefits:

1.  Move now and borrow the expected Veteran Aid & Attendance monthly benefit amount to cover the gap in senior housing and care.

2.  Make smaller interest-only payments on what you borrow.

3.  Gain financial flexibility and time until your Veteran Benefits arrive!

Meet Victoria, a Veteran’s Spouse.
She is Moving to Senior Living!

Affordable Smaller Payments

  • Please Note:  The Home Equity Line of Credit loan is to the senior on the senior’s home. If senior can qualify on their own there is no need for an adult child guarantor.  We do encourage adult children or Guardians and Advisors of any type to be involved for maximum assurance of the well being and propriety of entering into this transaction.

  • If the financing need is for a Memory Care Setting or the senior is amidst “Diminished Capacity” issues, a Financial Power of Attorney may be Required to Execute documents on behalf of a loved one. 

  • Also for seniors with a home to sell and obtaining a Home Equity Line of Credit (HELOC) for Senior Living, there is a one-time title insurance fee of $475 to $600 added to the loan which is a fee passed on at cost.  Appraisals are not needed for homes under $400,000. In Non-Entry Fee situations most of the time appraisals are not needed. We pull an automated virtual appraisal which takes seconds. Depending on the loan amount there may be an appraisal needed the cost of which may vary depending on location of home and size of home.  Because this is a Home Equity loan, the interest may be tax deductible! Check with your Accountant for details!

  • If there is an existing mortgage on the property, please add that amount to the box labeled “Your Entrance Fee or Community Deposit” in addition to the deposit for the community needed.  This is because the Second Act HELOC is a first-lien loan and any existing balances must be rolled into it in order to have the first-lien position. For example, if there is an existing $100,000 mortgage on the home, and a community deposit is needed of $4,000, then please put $104,000 in the “Community Deposit” box.


Get Started by Calculating Your Need and Payments

Low rates. Affordable Payments. Financing for Senior Living.

The one-time payment required by your community
If you also want to finance monthly fees, enter here
The value of your home less any debts against it

It looks like you want


Maximum Loan Available is


  • Annual Interest Rate
  • Monthly Payment
  • One-Time Fee
  • Fee Amount
Estimated interest and fees for loan duration are

Three Ways to Reach Second Act.

Video Chat Now or

call 800.222.1425

Schedule Time or Email

Meet Your Lending Chaperones

Or Continue to Learn More About Real Estate and Insurance Solutions

Home Sale Solutions

Insurance Solutions

Activate a Video Session!

If all of our Lending Chaperones are assisting other families, kindly give us a good time to get back to you for a prompt reply.

Helping you make the move today.

Schedule a Conversation with one of our Lending Chaperones!

Meet Your Second Act Lending Chaperones

Dedicated to CPA and SLFS Families.


Lending Chaperone Manager

Hello from Wilmington, Ohio! I supervise and support our Chaperones with your unique needs and questions! When I was sixteen, I declared to my parents that I want to move to the retirement community near us.  Ask me for the story for a good chuckle!



Hello from Wilmington, Ohio!

I love helping families discover the solutions they didn’t even know existed and enjoy making things easier for you! I just like making people happy.  With Second Act we are making a positive difference in your family’s life!



Hello from Wilmington, Ohio!

I love helping seniors like you access the retirement lifestyle you desire and supporting your families along the way. My grandparents were very special to me. One of my earliest and fondest memories is baking Christmas cookies with my grandma on Christmas Day!


Hello from sunny Florida!

My family and especially my parents, are the biggest inspiration of my life. . Living in Florida I know all about retirement communities!  I love helping people and am so honored to work for Second Act because we truly care!


Hello from sunny Florida!

Our heart is what drives all of us here every day! From the CEO on down, our Mission is to serve with Empathy and Compassion. To provide the needed funding for you or your loved ones so you too can enjoy your Second Act!




Hello from Wilmington, Ohio!

I enjoy helping families with financial solutions and helping make your next chapter the best one yet!  I love the outdoors, spending time with my family and my dog. That is why I enjoy working at Second Act.  Because we are about helping families and seniors every day.

Call Second Act at (800) 222-1425 or send us an email today.

2 + 3 =

Home Sale Solutions

If you would like a little help with the logistics of selling your home, our Community professionals have relationships with local real estate agents who can be ready to help you. From preparing to list your home through the ultimate sale, and just about every step in-between, all you have to do is ask your Community professional and you will be connected to helpful local resources and agents that can do the heavy lifting for you.

Make an Appointment to Speak with Second Act’s Real Estate Solutions team.

Please note real estate services are a separated entity outside our bank. 

Long-Term Care Insurance

Many people do not know what Long-Term Care Insurance is, or that it even exists. If you are caring for a loved one it is especially important you ask them if they signed up for such a policy many years ago.  Long-Term Care Insurance usually can cover a maximum daily amount for housing and care of a senior living resident who needs assistance with a certain minimum set of Activities of Daily Living.  Be sure to check this box when evaluating what financial resources you may have at your disposal to cover costs that include degrees of care in an Assisted Living, Memory Care, or Nursing Home, setting.  Second Act can direct you to long-term care insurance experts you can receive helpful guidance on your policies as you prepare to move to our community.

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