Rethink Everything You Know About Mortgages
Traditional mortgages apply more of your early payments toward interest, which can slow how quickly equity builds.
Equity Advancer shifts the advantage back to you. Nightly sweeps apply available deposits directly to your principal, lowering your balance and your interest automatically over time. It’s a smarter, more flexible way to take control of your mortgage and your financial future.
How It Works:
Equity Advancer is a first-lien HELOC integrated with a full-featured checking account—so your income automatically works to reduce your loan balance every day. Here’s what makes it different:
- Daily sweeps: Your deposits are applied to your loan balance every night*
- Interest recalculates daily: Save more by reducing your principal each night
- Full access: Use your funds when needed—bills, purchases, or emergencies**
- Faster payoff: The more your deposits outweigh your expenses, the faster your loan disappears
“It’s like turning your income into a payment plan—without changing how you live.”
Key Benefits:
- Build equity faster
- Reduce total interest paid
- Access credit for home improvements, debt consolidation, or opportunities**
- No refinancing needed to lower your payments
- Available for primary homes, second homes, and investment properties in most markets
- Texas Availability: Available now for second homes and investment properties. Primary residence availability coming soon.
Who is Equity Advancer Right For?
- Homeowners who want to pay off their mortgage faster and keep more of their hard-earned money
- Real estate investors who value liquidity for property purchases, renovations, or quick-turn opportunities
- Second-home buyers who want flexible financing and lower overall interest costs
- Savers who consistently deposit more than they spend, turning cash flow into equity growth
- Homeowners making large purchases—such as vehicles, education, or major improvements—who want to use their home equity for large purchases and turn repayment speed into significant interest savings
- Anyone frustrated with the inefficiency of traditional mortgages who wants a smarter way to manage debt
Get Your Personalized Scenario
*After the interest payment for the month is made.
**Adding to the balance of your line can add interest to your payment and decelerate your mortgage payoff