The internet's #1 first lien HELOC resource

Pay off your mortgage
using a 1st Lien HELOC

A revolutionary home financing option where you can save thousands on interest, simplify your financial life, and pay off your home in as little as 5-7 years.*

$343K+
Interest Saved
5-7 yrs
Avg. Payoff
10K+
Simulations
How It Works Get Started
Success Stories

Hear From Our Happy Customers

"I think about it all the time. From where I was before to where I am now after the HELOC. Best decision I have ever made."

Jared Kraft

"The bottom line was our income increased and we were able to pay our home — that 116k — in 2 years."

Lyle Oberg

"It works so well for us. Once it was all set up we didn't have to do anything. We just kept watching the monthly payment go down and down so fast."

Penny Stueven

Welcome to the 1st Lien HELOC Community

Our #1 goal is to help our community rapidly pay off their mortgage using cutting edge ideas and financial strategies. We are dedicated to educating you on how to use these strategies — for free!

First Lien HELOC 101 Velocity Banking Get Started
Side by Side

There's a smarter way to pay off your mortgage

Mortgage 1st Lien HELOC
Home Price $360,000 $360,000
Interest Rate 8% 7.375%
Total Interest $290,147 $71,539
Payoff Time 20 years 6.42 years

Key Features of the Right First Lien HELOC

Integrated Checking with Sweep

Automates fund transfers so every dollar works to reduce your balance.

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Debit Cards, Checks & Bill Pay

Pay expenses with familiar tools. Fewer lifestyle changes, higher success.

Automatic Payments

Available equity automatically covers interest payments each month.

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Average Daily Balance Interest

Interest computed on the previous month's average daily balance.

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Interest-Only Option

Maximum cash flow flexibility during the draw period.

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Bank-Held & Serviced

Your loan stays with the originating bank for consistent support.

✓ Sweep ✓ Overdraft Protection ✓ Debit Card ✓ Bill Pay ✓ Checking ✓ Direct Deposit

How to Get a First Lien HELOC

1

Sign up online

Get started through our simple signup form.

2

Lender matching

We connect you to a qualified lender.

3

Apply

Submit an official loan application.

4

Consultation

A loan officer reviews your application.

5

Closing

Welcome to financial freedom!

Get Started Now
Coming June 2026

Your Velocity Banking Command Center

Connect your HELOC, track every dollar, and watch your payoff date accelerate — all from one dashboard powered by secure Teller.io integration.

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Secure Account Connection

Link your HELOC with bank-level encryption through Teller.io. Read-only access — we never touch your money.

Auto-Sorted Transactions

Every deposit, payment, and sweep is categorized automatically. No spreadsheets or manual tracking required.

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Real-Time Savings Tracker

Watch your cumulative interest savings grow with every transaction. Compare your progress to a traditional mortgage.

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What-If Simulations

Model extra payments, rate changes, or bonus deposits. See exactly how each scenario impacts your payoff date.

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Budget & Surplus Monitor

Track your monthly cash flow against your velocity banking plan. Get alerts when spending drifts off target.

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Payoff Timeline

A visual timeline showing where you started, where you are, and your projected mortgage-free date.

Explore the Dashboard