Welcome Laurel Circle Sales Professionals to the Best of Both Worlds Bridge Financing Program!


Resources at your fingertips so you can help more seniors access the lifestyle they deserve!

Welcome Laurel Circle sales professionals! It is our pleasure to be a resource to you as you help your seniors make the move to the retirement lifestyle they have earned and deserve.

As a professional, all too often you hear how your seniors would like to move and lock in Life Care now, but it’s just not easy until they sell their home and can access the cash from their home equity to pay for their Entry Fee.

When your seniors want to enjoy the best of both worlds by moving now and also taking their time to sell their home for the best possible price, Second Act’s bridge financing program may be helpful.  It is especially created for you and your seniors by bank professionals who understand. If your prospects are in a pinch, we can also spring into action to help them sell their home with our Home Sale Senior Real Estate Solutions group, all at your request!

Bridge Financing: Truly the Best of Both Worlds.

LCS and Laurel Circle have teamed up with the friendly professionals at Second Act Financial Services, a senior-focused division of Liberty Savings Bank, F.S.B, of Wilmington, Ohio, to provide eligible seniors a Home Equity Line of Credit loan tailor-made for their next act!  Your seniors can take advantage of the equity in their home by applying for a line of credit. If approved, they can pay for their Entry Fee with their Home Equity Line of Credit and make interest-only payments on their outstanding loan balance. When they sell their home, they simply pay the Home Equity Line of Credit in full.

If you would like more information, simply schedule a call with one of our Lending Chaperones dedicated to Laurel Circle.  They can review your senior’s situation. You can then schedule your senior for a private conversation so they can learn how they can truly enjoy the best of both worlds thanks to you and Second Act! 

Bridge Loan Videos

Payment Calculator

Schedule Time

Email Us

Veteran Benefits

Home Sale Help

The Best of Both Worlds!

It’s as easy as 1,2,3!

1. Apply for an overall Line of Credit amount.

 2. If approved and you close on your Home Equity Line of Credit Loan your funds are sent directly to your Laurel Circle community.

 3.  You make much smaller interest-only payments on the amount you have borrowed. When you have sold your home you pay back your Home Equity Line of Credit in full.

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

Terms shown are for illustrative purposes only.  Accuracy is not guaranteed and it should not be relied upon as a commitment to lend.  Please see our Terms and Disclosures page for additional details. 

Helping you make the move today.

Schedule a Conversation with one of our Lending Chaperones!

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

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Meet Your Lending Chaperones!


Lending Chaperone Manager

Hello from Wilmington, Ohio! I supervise and support our Chaperones with your unique needs and questions! When I was a sixteen I declared to my parents that as soon as I turn 18, I too want to live in a retirement community.  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 here 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.

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. 

What is the Veteran Aid & Attendance Benefit?

The Veteran Aid & Attendance Benefit pension provides benefits that can reduce the cost of care for Veterans, their spouses, and their widows. This benefit can help pay for long-term care at a senior living community that provides assisted with the Activities of Daily Living (“ADLs”) or for some home care.  Applying for the benefit can get complicated. Income and asset limits do apply.  Firms that specialize in navigating the requirements are available to help you with the application.  From experience, we highly recommend you use a knowledgeable VA Accredited professional to help you.

It can often take many months to receive it. While you wait, many families in your situation take advantage of our bridge loan to pay for housing and care for your Veteran until the benefits arrive.


Surviving Spouse Monthly


Veteran No Dependents Monthly


Veteran One Dependent Monthly


Veteran Married to a Veteran. Monthly

Who can qualify?

  1. Are you a Veteran 65 or Older or 100% disabled?
  2. Did you serve at least 90 days of active military duty?
  3. Was at least one of those days during a period of war?
  4. Did you receive an Honorable Medical, or General, discharge?
  5. Do you meet the income and asset eligibility requirements?

Allow us to connect you to Veteran experts.

The Veteran Aid & Attendance Benefit is little known and not well understood.  There are numerous firms across the country that provide guidance on whether you can qualify and how.  Some firms are legitimate. Some offer to help you for free while behind the scenes pitch this or that annuity or product they want you to buy.

The most legitimate way to receive help is by contacting folks that have no agenda and tell you up front how they get paid. One such organization we frequently refer families to, is Patriot Angels.  We would be happy to refer you to Patriot Angels or you can feel free to visit their website here at www.patriotangels.com.

We are glad to make this referral and do not ever take any referral fees for referring our veterans to helpful resources. It is our honor and our pleasure.  Be sure to let them know the folks at Second Act suggested you speak with them.  If you learn you are eligible for the benefit for a move to senior living, we will be here with Home Equity Bridge Financing at your fingertips to pay for your or your loved one’s housing and care, until the benefit arrives.

Retirement Banking, Understood.