Unlock the equity you've already built.
The Wealth Builder is a First Lien HELOC — a revolving line of credit secured by your home that takes the place of a traditional mortgage. Use it to buy, refinance, or put your equity to work — with combined exposure up to $3.5M and a 30-year draw period.
Not a TRID loan for purchase-money use. Refinance or cash-out HELOCs secured by a principal dwelling generally include a three-business-day right of rescission.
30-year draw period — tap equity when you need it, no reapply.
Pay it down early or often. Interest accrues daily on the balance.
Combined exposure across primary, second home, and investment.
For Buyers & Homeowners
Three ways to put it to work.
Buy a Home
Use Wealth Builder as your primary mortgage to purchase your next home — with less paperwork and fewer waiting periods.
PRIMARY · 2ND HOME · INVESTMENT
Tap Your Equity
Refinance to unlock cash from your home's equity for renovations, tuition, debt consolidation, or other goals.
RATE/TERM + CASH-OUT
Grow Your Portfolio
Use it on second homes and investment properties — build wealth across up to 3 properties (one per occupancy type).
1-4 UNIT PROPERTIES
Max LTV available for qualified primary residence buyers
Maximum combined exposure across up to 3 properties
Draw period — access your equity for decades, not years
Ready to make your equity work harder?
Connect with a Wealth Builder specialist to see how a First Lien HELOC can replace your mortgage and unlock the equity you've already built.
All loans subject to credit approval, program guidelines, and property eligibility. This is not a commitment to lend. Equal Housing Opportunity.