First Lien HELOC

Lower your home loan principal faster and save tens of thousands of dollars in mortgage interest. With an All In One First Lien HELOC, you have more control over your loan balance and interest costs. Plus, you can enjoy flexible access to your home equity for 30 years without having to refinance.

All In One Mortgages are popular among

  • Borrowers with good credit who are looking to maximize their income while simultaneously tapping into their home equity with ease
  • Homeowners who are looking to pay off home loans sooner, build equity faster, and free up disposable income

Advantages

  • Ability to finance new home purchases or refinance current mortgages
  • Direct deposits are applied to the principal, which lowers your outstanding daily balance and interest
  • Less money spent on monthly mortgage interest means more money available to meet other financial objectives
  • Banking features allow access to home equity without having to refinance
  • Comes with ATM cards for all account users, plus secured online bill-pay, unlimited check writing, and bank-to-bank wire transferring

What you need to know*

The All In One Mortgage isn’t your standard closed-ended mortgage, but instead, a home equity line of credit. Lines of credit are unique because they are flexible, two-way instruments allowing you to apply as much money as you desire toward the loan balance without losing access to your funds. So, you’re getting the features of a home loan, checking account, and home equity loan all in one.

Calculate your potential savings

Is All in One the right fit for your financial situation? Let’s use a loan simulator to find out.

The simulator will calculate total payments and interest savings for both your current loan and the All In One Loan. You can see a cost summary and estimated loan payoff in as little as 2 minutes.

Once your results are ready, one of our salary-based mortgage consultants can guide you through pros and cons, helping you decide which loan option is best for your future.

Begin the comparison process by entering your goals and current loan information here.

*Loan program is not available in all states. Please call one of our salary-based mortgage consultants to see if it’s available in your area.

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