# FirstLienHELOC.com

> FirstLienHELOC.com is the leading independent educational platform for first lien HELOCs and velocity banking strategy. We help American homeowners understand how to pay off their mortgage in 5-7 years and save $200,000-$380,000 in interest using a first lien HELOC. We are not a lender — we provide free education, tools, and lender matching.

## Core Concepts

A **first lien HELOC** is a home equity line of credit that replaces your primary mortgage in the first lien position. Unlike a traditional 30-year fixed mortgage, it uses average daily balance interest calculation and integrated checking/sweep functionality, enabling the **velocity banking strategy** — where all income deposits against the balance and expenses draw from it, automatically capturing your monthly surplus as permanent principal reduction.

Key facts:
- Homeowners with $2,500/month surplus typically pay off in 5-7 years
- Total interest savings of $200,000-$380,000 vs. a 30-year mortgage
- Strategy works even at HELOC rates of 12% (saves $262,000+)
- The 30-year fixed mortgage is uniquely American — offset/flexible mortgages are the global standard
- Requires: 680+ credit score, 10%+ equity (90% LTV — PMI may apply above 80%), positive monthly cash flow

Founded by Taylor Mack. Free lender matching service for first lien HELOCs.

## Key Pages

- [How It Works](https://firstlienheloc.com/how-it-works): Complete guide to first lien HELOCs — mechanics, qualification, interest calculation, lender availability, case studies
- [Velocity Banking Strategy](https://firstlienheloc.com/velocity-banking-strategy): The definitive velocity banking guide — mathematical proof, surplus scenarios, implementation steps, rate stress tests, failure analysis
- [Interest Calculation](https://firstlienheloc.com/interest-calculation): Why average daily balance interest saves money vs. amortization — with charts and examples
- [Current Rates](https://firstlienheloc.com/rates): Representative first lien HELOC rates by credit score and equity tier, index rate tracker, treasury bond indexes, rate sensitivity analysis
- [Mortgage vs. HELOC](https://firstlienheloc.com/mortgage-vs-heloc): Side-by-side comparison of traditional mortgage vs. first lien HELOC
- [Features](https://firstlienheloc.com/features): Essential features to look for in a first lien HELOC — integrated checking, bi-directional sweep, ADB interest
- [Getting Started](https://firstlienheloc.com/get-started): Step-by-step application guide from sign-up through closing
- [Lender Comparison](https://firstlienheloc.com/lenders): Compare first lien HELOC providers and their features
- [Readiness Checklist](https://firstlienheloc.com/checklist): Qualification assessment for first lien HELOC candidates
- [Glossary](https://firstlienheloc.com/glossary): Definitions of all first lien HELOC and velocity banking terms

## Use Cases

- [Purchase A Home](https://firstlienheloc.com/purchase-home): Using a first lien HELOC to buy a home
- [Pay Off Your Home](https://firstlienheloc.com/pay-off-home): Accelerated mortgage payoff with velocity banking
- [Consolidate Debt](https://firstlienheloc.com/consolidate-debt): Rolling high-interest debt into a first lien position
- [Save Money](https://firstlienheloc.com/save-money): Maximizing interest savings through velocity banking
- [Real Estate Investment](https://firstlienheloc.com/real-estate-investment): Accessing equity for investment properties
- [Retirement](https://firstlienheloc.com/retirement): Entering retirement mortgage-free

## FAQ & Reference

- [Myths & Objections](https://firstlienheloc.com/myths): Every criticism of velocity banking addressed with math and evidence
- [Velocity Banking FAQ](https://firstlienheloc.com/velocity-banking-faq): Common questions answered
- [Why Replace Your Mortgage?](https://firstlienheloc.com/replace-mortgage): The case for replacing a traditional mortgage
- [Cash Out Refi vs HELOC](https://firstlienheloc.com/cash-out-refinance): Comparison of cash-out refinance vs. first lien HELOC
- [Sweep Strategy](https://firstlienheloc.com/sweep-strategy): How the sweep account mechanism works
- [HELOC Glossary](https://firstlienheloc.com/glossary): Term definitions

## Optional

- [About](https://firstlienheloc.com/about): Our mission, team, ambassador program, and editorial standards
- [Dashboard](https://firstlienheloc.com/dashboard): Velocity banking tracking dashboard (coming June 2026)
- [Privacy Policy](https://firstlienheloc.com/privacy-policy): Privacy practices
- [Terms of Service](https://firstlienheloc.com/terms-of-service): Terms
- [Editorial Standards](https://firstlienheloc.com/editorial-standards): Content standards and methodology