Equity Advancer is a smarter alternative to a traditional mortgage. It’s a first-position HELOC linked to a checking account. Your deposits are swept nightly to reduce your loan balance, helping you:
Your scheduled payment adjusts automatically based on your loan balance. You can choose from:
No balloon payments. No hidden surprises.
It’s a real checking account—FDIC-insured, with debit card, checks, and online banking. Your deposits reduce your balance that same night, cutting interest in real time.*
If your income consistently exceeds your expenses, you can reduce your balance and interest faster—without prepayment penalties or being locked into a fixed amortization schedule. During the initial HELOC phase (the first 10 years), you’ll have flexibility in how you pay down the balance. After that, any remaining balance transitions into a structured repayment plan, amortized over the following 20 years.
Yes—as long as the minimum draw requirement is met (typically $150,000). This is a great way to unlock liquidity from your equity—without a traditional loan structure.
Yes. Your funds are held with an FDIC-insured institution and are fully accessible through your checking account.
Your rate is based on the 30-day compounded SOFR, updated monthly. Your personal rate depends on factors like loan size, property type, credit score, and LTV.
While Equity Advancer offers competitive rates, the real advantage is speed. Because your balance is reduced with every deposit, you pay interest on a smaller amount more quickly. Over time, this accelerated payoff can significantly reduce your total interest cost—often making the rate itself far less important than the repayment strategy.
Equity Advancer is currently available in most states. Some restrictions apply—check with your loan officer to confirm eligibility.
Once closing documents are signed, loans typically fund within 5 business days.
Truth: It’s not just about rate—it’s about how quickly you reduce principal. Equity Advancer helps you save interest reducing your balance with every deposit.
Truth: With Equity Advancer, your minimum payment adjusts automatically as your principal drops—no refinancing, closing costs, or starting over.
Truth: Extra payments help—but that money is often locked in and unavailable. Equity Advancer sweeps deposits daily while keeping your funds fully accessible.
Truth: Equity Advancer is designed as a long-term strategy to replace your mortgage—turning everyday cash flow into long-term savings and equity growth.
Reach out to a loan officer and explore how Equity Advancer can help you save interest, access your equity, and build wealth—faster.
*After the interest payment for the month is made.