Texas LoanStar Line-of-Credit/Fixed Rate Seconds This product is no longer available. (Coming soon in 2006: Home Equity Line-of-Credit, 80% loan-to-value, maximum loan amount: $50,000. See the description for Fixed Rate Seconds which provides similar benefits. Fixed Rate Seconds: Spectrum offers fixed rate second mortgages with fixed terms (7, 12, or 15 year terms, up to 80% loan-to-value for TX ), and NO prepayment penalties). Call us at 800-782-8782 if you need information now.