For homeowners & investors who want to pay their home off faster

The equity sitting in your home isn't resting. It's waiting.

The Wealth Builder HELOC replaces your first mortgage with a single account that combines your home loan and your checking account. Every dollar you deposit cuts your balance immediately, interest is calculated daily instead of monthly, and your equity stays accessible the whole time. Run your real numbers below and see what it could do for you.

See what my equity could do Talk it through with Greg

Run the numbers

Your Equity Advancer, personalized in real time

Enter your numbers below — this pulls from your actual home value and mortgage balance, not a generic estimate. It takes about two minutes.

Equity Advancer — Wealth Builder LIVE CALCULATOR · MARGIN 4.000%

1 · Setup

Loan purpose

Loan term

1-Month Adjustable

Index

—

Margin

4.000%Fixed

Rate

—

Margin: 4.000% (fixed). Rate = index + 4.000%.

Estimated home value

Line amount

Initial draw payoff

Rate trend (illustration)

2 · Current mortgage (comparison)

Months already paid

Unpaid principal balance

Loan term

Interest rate

Extra monthly payment

3 · Deposits (income)

One-time deposit applied month 2

4 · Monthly spending

Necessities

Property taxes & insurance

Car

Credit card

Other

Monthly net deposits—

Wealth Builder is a first-lien HELOC. It fully refinances and replaces your existing first mortgage — it does not sit behind it. This calculator is a hypothetical illustration for educational purposes only, based solely on the information you enter; it is not a Loan Estimate, an offer, or a commitment to lend. The illustrated rate equals the index shown (30-Day Average SOFR, published by the Federal Reserve Bank of New York) plus a 4.000% margin. This is a variable rate: the index can change monthly, so your rate, interest charges, and payoff timeline can increase or decrease. Results assume deposits and spending occur exactly as entered, interest accrues daily on the outstanding balance, and no additional draws are taken; actual results will vary. The comparison mortgage is a standard fixed-rate amortizing loan using the rate and term you enter. Actual rate, terms, line amount, and available equity depend on a full application and are subject to credit approval, property appraisal, and underwriting; other terms, conditions, and program limits apply. Integrity First Lending, NMLS #1006977 · Greg West, Loan Officer, NMLS #316155 · Equal Housing Opportunity

How it pencils out

One mechanism. Two ways to use it.

Wealth Builder is a full refinance — it replaces your current first mortgage with an open-ended, first-lien HELOC. Your income deposits directly into the account and reduces your balance the same day. Interest accrues daily on whatever's left, not on a fixed monthly schedule. The math is the same for everyone; what you do with the freed-up equity and faster payoff is where it splits.

Homeowners

Pay it off years faster, not payment by payment

Every deposit cuts your balanceYour paycheck goes into the account and reduces principal immediately — interest is calculated on your daily balance, not last month's statement.
One account instead of twoYour mortgage and your checking account become a single account. No separate savings pile earning near-zero while your mortgage balance sits still.
Equity stays accessibleAs your balance drops, your available credit line grows back — there for a renovation or emergency without a new loan or a new application.

Investors

Free up capital while you pay down

Available credit grows as you pay downEvery dollar of cash flow you sweep into the account both cuts your balance and rebuilds the line you can draw from — no new loan needed to access it.
One account across a propertyCombine the mortgage and operating cash flow for a property into a single account instead of juggling a loan and a separate reserve.
Model the sweep on your numbersSee what the daily-interest, full-refinance structure actually does to your balance and timeline before you commit to it.

How it works

From your number to a plan, in three steps

Run the calculator

Enter your home value and current mortgage balance to see what refinancing into Wealth Builder could look like for your payoff timeline and equity.

Book a 15-minute call

We'll go through your number together and talk through what actually makes sense for your goals.

Get a plan, not a pitch

If it's a fit, we move forward. If it's not the right time, you'll know that too — no pressure either way.