Our flagship 1st position home equity program — with an Equity Accelerator option tied to an FDIC-insured checking account designed to help borrowers manage cash flow and potentially reduce interest over time.
The HomeSelect program is a revolving line of credit secured by your primary residence in first lien position. It gives you flexible, on-demand access to your home equity — so you can borrow what you need, when you need it, and generally only pay interest on what you use.
Unlike a fixed home equity loan, a home equity line of credit functions like a revolving line of credit secured by your home. You have a draw period where you can borrow and repay repeatedly, followed by a repayment period where the balance is paid off.
The HomeSelect program is a 1st position lien product, meaning it replaces your existing mortgage or may be used on a free-and-clear property.
The HomeSelect is linked to an FDIC-insured checking account, allowing you to use it as your primary banking tool. Depositing income directly into this account reduces your outstanding balance — which is the foundation of the Equity Accelerator strategy.
Ask About HomeSelectYour Home, Your Equity
The HomeSelect program gives you revolving access to your home equity in 1st lien position. Borrow what you need, repay it, and access it again — all while keeping your home as the foundation of your financial strategy.
Built into the HomeSelect program through its FDIC-insured checking account — a strategy designed to help borrowers manage cash flow and potentially reduce interest over time.
The HomeSelect program is tied to an FDIC-insured checking account, which allows you to use your home equity line as your primary banking tool — designed to help potentially shorten your mortgage payoff timeline.
By routing your income directly into the FDIC-insured checking account linked to your HELOC, every dollar you earn may temporarily reduce your outstanding balance — and therefore the interest accruing over time. This compounding effect may help reduce your overall interest costs.
The strategy is designed to reposition money you already have to potentially work harder for you. Individual results will vary.
⚠ Important: This Is a Loan — Not Free Money
The HomeSelect is a line of credit secured by your home. Any funds you draw are borrowed money that must be repaid — they do not increase your home's value. The strategy below shows how routing your income through the account may reduce the interest you pay over time, but you are still borrowing against your equity and your home is used as collateral.
Simplified, illustrative example only. Any income, savings, payoff, or qualification examples are illustrative only and actual results will vary based on individual circumstances, loan usage, market conditions, and program guidelines. Not a commitment to lend or financial advice.
Monthly Take-Home Income
$8,000
Monthly Expenses
$6,500
Monthly Net Cash Flow
$1,500
That $1,500/month working to reduce the line of credit balance may compound into meaningful interest savings over time.
Whether you want flexible access to your equity or you're looking to potentially accelerate your mortgage payoff, let's find the right structure for your home and financial goals.
