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First Lien HELOC Calculator
Getting Started with the Internet's
#1 First Lien HELOC Calculator

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New Home Purchase

Enter your current mortgage details and information to compare against a First Lien HELOC refinance option.

Please ensure that this 10% or more of the purchase price. First Lien HELOCs require a 10% or more (10% - 50%) down payment

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Mortgage

Enter your current mortgage details and information to compare against a First Lien HELOC refinance option.

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Mortgage

Enter your current mortgage details and information to compare against a First Lien HELOC refinance option.

Escrow

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Monthly Net Income

Your household income is

0 %

of national average

This is your household take-home pay after taxes, etc.

Total Monthly Expenses

Total Monthly Spend (Minus Total Mortgage Payment)

0 %

of national average

Remember to include your gas, groceries, phone, internet, etc.
Do not include your mortgage payments in this figure

Calculate Your Personal Cash Flow
Your Monthly Household Cashflow

Income - Expenses = Cashflow

$ 0

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First Lien HELOC

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Based on your information,
our calculations show you are

The interest rate exceeds the rate of paydown in your numbers.
We do not recommend this strategy for you at your current Cashflow

You could Save

$200,000

on the total interest cost of your home

First Lien HELOC

Total Cost
$ 0.00
Interest Cost
$ 0.00

Mortgage

Total Cost
$ 0.00
Interest Cost
$ 0.00

How Fast You'll Pay Off Your Home

Years

By switching to a First Lien HELOC and applying the Maximized Cashflow Strategy,
you would pay off your home years faster.

Estimated Pay Off Time

Mortgage
$ 0.00
Heloc
$ 0.00

Want to see more details?

Ready to unlock the details of how to pay off your home in years?

Want to see a side by side comparison against your current mortgage? Provide your information to reveal your home pay down strategy.

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Book a Consultation To Run Through Your Numbers

Your Breakdown Results Are On the Next Page

Potential Savings

You could Save

$ 200,000

on the total cost of your home

How Fast You'll Pay Off Your Home

Years

By switching to a First Lien HELOC and applying the Maximized Cashflow Strategy,
you would pay off your home years faster.

First Lien HELOC

Total Cost $ 0.00
Paid in Interest $ 0.00
Actual Cost of Fund $ 0.00

Mortgage

Total Cost $ 0.00
Paid in Interest $ 0.00
Actual Cost of Fund $ 0.00

Mortgage

Total Loan Cost

$ 200,000

Principal + Interest Paid

Total Interest Paid

$ 200,000

The total you paid to borrow your principal balance.

Monthly Payment

$ 3,616.82

Timeline

Years to Payoff 30
Total Payment 30

Interest Rate

Interest Rate 30
Actual Cost of Fund 30
Mortgage Loan Information

Payment Schedule

# Pmt Date Beginning Balance Interest Payment Toward Principal Ending Balance Cumulative Interest Equity Gained

First Lien HELOC

Total Loan Cost

$200,000

Principal + Interest Paid

Total Interest Paid

$14

The total you paid to borrow your principal balance.

Monthly Payment

First Month's Interest Only Payment

$ 3,616.82

Average Interest Only Payment

$ 1,595.17

Maximized Cash Flow Strategy

Average Monthly Household Payment

$ 8,500.00

Years to Payoff

Interest Rate

Interest Rate

$ 5.50

Actual Cost of Fund

26.54

First Lien Heloc Payment Loan Information

Payment Schedule

# Pmt Date Interest Beginning Balance Minimum monthly payment (interest only) Principal Reduction Ending Balance Total Interest Total Equity Gained

Side by side Comparison

  Current Mortgage First Lien HELOC
  MORTGAGE TERMS HELOC TERMS
Current Principal Balance
Annual Interest Rate
Comparative Interest Rate
ESCROW INFORMATION
Monthly Homeowners Insurance 0.00
Monthly Property Taxes 0.00
Annual Total 0.00
PAYMENT INFORMATION
Average Monthly Payment
Monthly Escrow Payment
Total
LOAN PERFORMANCE
Years to pay off
Total Loan Cost
Total Interest Paid
Cost of Funds
(Percent paid of Initial Balance in Interest)
Side by side Comparison
  Maximized Cashflow Strategy
  HELOC TERMS
Current Principal Balance
Annual Interest Rate
Comparative Interest Rate
ESCROW INFORMATION
Monthly Homeowners Insurance
Monthly Property Taxes
Annual Total
PAYMENT INFORMATION
Average Monthly Payment
Monthly Escrow Payment
Total
LOAN PERFORMANCE
Years to pay off
Total Loan Cost
Total Interest Paid
Cost of Funds
(Percent paid of Initial Balance in Interest)

Unlock the strategies that can cut your mortgage in half

Use the payment form below to complete the purchase of your official FirstLienHELOC.com Custom Strategy Guide. Using the numbers you input in this system, we'll generate you a detailed breakdown of the steps you need to take to unleash this powerful strategy, month by month, so that you can build true wealth through real estate.