First Lien HELOC (All-In-One Loan)
Mortgages Made Possible — Even When Others Say No!
A Smarter Way to Finance Your Home
A First Lien HELOC works differently from a traditional mortgage. Instead of locking into a fixed monthly payment schedule, this loan combines your mortgage and checking account into one powerful tool.
When your income is deposited, it immediately reduces your loan balance — lowering the interest that accrues. As you spend from the account, funds are available again, just like a line of credit. This daily “sweep” of cash flow helps many homeowners pay off their loan faster while keeping full access to equity.
Why Homeowners Choose a First Lien HELOC
• Daily interest offset – Deposits go directly toward reducing the balance, cutting interest costs.
• Flexible access to equity – Draw, repay, and redraw funds during the line’s draw period.
• Potential for faster payoff – More of your money goes to principal instead of interest.
• One account, many uses – Cover renovations, debt payoff, investments, or emergencies.
• Payment flexibility – Interest-only options during the draw period (as available).
Who It’s Best For
• Homeowners with steady income and positive monthly cash flow.
• People who want to build wealth by reducing interest while keeping equity accessible.
• Borrowers who value flexibility over a fixed, amortized 30-year schedule.
Compare the Difference
Traditional mortgages require fixed monthly payments that mostly go toward interest in the early years. A First Lien HELOC uses your income deposits to instantly lower your principal, so your dollars work harder for you every day.
Ready to See Your Numbers?
Every homeowner’s situation is unique. Instead of leaving it to guesswork with an online calculator, let us run a personalized side-by-side comparison:
• Traditional 30-year mortgage vs. First Lien HELOC.
• Estimated interest savings based on your actual cash flow.
• Payoff timeline with real-world assumptions.
Apply Today or Book a Free Consultation.
You can also learn more about HELOCs or explore refinancing options to find the best fit for your goals.
FAQ Section:
Q: What is a First Lien HELOC?
A: It’s a mortgage structured as a first-position HELOC. Deposits reduce balance/interest daily, while equity remains accessible.
Q: How is this different from a traditional HELOC?
A: A traditional HELOC is usually a second lien behind your first mortgage. A First Lien HELOC replaces your first mortgage entirely, creating more impact on interest savings.
Q: Does everyone save money with this loan?
A: Not always. The benefit depends on your income, spending habits, and financial discipline. We’ll walk you through the numbers so you can make an informed decision.
Q: Can I refinance later?
A: Yes, but you may not need to. With our Equity Advancer–style loan, your credit line stays open as you pay down the balance, so you can reuse your available equity anytime without a typical refinance. If you ever want to increase your total credit line to access even more equity, a refinance could make sense, but most clients refinance far less often than they would with a traditional mortgage.
Disclaimer:
For demonstration purposes only. Results are estimates and not a commitment to lend. Program availability and features depend on borrower eligibility, property, and lender guidelines. The First Lien HELOC may not be available in all states. NMLS #266946. Equal Housing Lender.
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