If you have good credit, saved for a down payment and monthly cash flow
why are you automatically going with a 30-year loan?
Oh, that right, most banks don’t even offer this program…

YOU MIGHT BE HERE BECAUSE…

You’ve probably read more financial blogs and books, watched more financial podcasts than the average human. Which means you know responsible and optimal aren't always the same thing.

That’s why curious about what your options are.

Here’s What Surprises Most Folks

  • A first-lien HELOC replaces your mortgage entirely with a flexible line of credit so your equity is accessible without a second loan

  • Every dollar that sits in the HELOC reduces the balance you're paying interest on daily

  • It functions like a checking account secured by your home, giving you liquidity without sacrificing ownership

  • High earners use this to keep cash flowing through one instrument instead of siloing it across accounts

How This Works in Real Life…

Business professional. $750K home. Great income, strong cash flow, standard 30-year conventional mortgage. When rates moved, he called about a refinance. We ran the numbers both ways. A conventional refinance would have saved him money. The first-lien HELOC saved him $58,000 more over 10 years because his cash flow was sitting in a checking account doing nothing every month. He went with the HELOC.

Your Questions, Answered

  • The minimum credit score for these programs is 700.

  • This if for you if: you have strong monthly cash flow sitting in a checking account doing nothing, you're disciplined with your finances and you want your money working harder than a standard mortgage allows.

  • Traditional banks make their money on the interest you pay over 30 years. A product that significantly reduces that interest isn't something they're motivated to sell. This program is only offered through a few, select lenders.

  • It's a real consideration and worth discussing in your specific context. The rate is typically tied to prime. For clients with strong, stable income, the savings from daily accrual often significantly outweigh the variability risk — especially in the early years when your balance is highest. We help you model both scenarios so you can make an informed decision.

  • Both. You can use this for a home purchase or to replace an existing mortgage through refinance. For a purchase, the mechanics are the same, your income starts working against your balance from day one.

  • Generally 680+ credit score, documented income (W-2, self-employed, or other), and 20%+ equity or down payment. This is designed for financially sophisticated borrowers with consistent cash flow — the higher your income and the more disciplined your finances, the more you benefit.

  • No, a traditional HELOC from your bank is a second lien on top of your mortgage. This is a first-lien HELOC that completely replaces your mortgage. The mechanics of how interest accrues are also fundamentally different; it's a different product, not a different name for the same thing.

I’m not saying this is the strategy for you but if it could save you six-figures in interest wouldn’t that be worth a conversation?

LET’S FIND OUT IF YOU QUALIFY →