Historic Kansas City commercial building at dusk

First-Lien Line of Credit Advisory

We Arrange Lines of Credit — $300K to $30M, in All 50 States

Primary homes, multifamily, commercial, rental portfolios, packages of properties, businesses, stocks, and life insurance. Our team handles everything from your PFS to funding — then sets up your sweep so the line starts working for you.

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Pat Grace replaced his own mortgage with a single line of credit and paid off $300,000 in 10 months.

NMLS #2476993 · Lines from $300K to $30M · Access in all 50 states*

Program Snapshot

Line Amounts$300,000 to $30,000,000

Available InAll 50 states*

CollateralPrimary home, multifamily, commercial, portfolios, packages of properties, business, stocks, life insurance

Rates5.5%–8.5%*

Fees1–2 points, borrower-paid origination fee

*Rates are variable and subject to credit approval and underwriting. Program availability varies by state.

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What We Can Put a Line On

Lines We Arrange

Primary Home

Replace the mortgage on the home you live in.

Multifamily

Run rental income straight through the line.

Commercial Real Estate

Open a line against commercial property you own.

Rental Portfolios

Several rentals, one line, one account.

Packages of Properties

Bundle properties to support a larger line.

Business Lines

Structured around your company's cash flow.

Stocks / Brokerage

Borrow against investments and stay invested.

Life Insurance

Put your policy's cash value to work.

See Everything We Finance

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The Problem

Why the traditional mortgage holds you back

Your equity is trapped

Wealth sitting in your property that you can't reach without selling or refinancing.

Interest is front-loaded

In the early years of a traditional mortgage, most of each payment goes to interest, so the balance barely moves.

Your cash sits idle

Money in checking earns little while you pay interest on your mortgage.

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How It Works

One structural shift. Two steps.

Replace the mortgage with a line of credit

A first-lien line pays off your existing mortgage. Interest is charged only on the balance you actually owe, day by day.

Run income and expenses through the line

Every deposit lowers the balance the day it lands, so your cash works against the debt instead of sitting in checking. Expenses draw back out as needed.

“It’s not about the rate. It’s about the structure.”
— Pat Grace

Learn How It Works Try the Calculator

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Done For You

What We Do For You

You don't have to figure this out alone. We handle the entire process.

01
Prepare your Personal Financial Statement (PFS)
02
Package your loan
03
Submit to our bank partners
04
Get you approved
05
Document preparation
06
Closing and funding
07
Set up your sweep so the line starts paying down from day one

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Watch

Pat walks through the strategy.

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Illustrative Comparison

What the difference looks like.

	30-Year Mortgage	Line of Credit Structure
Example loan	$500,000 @ 5.5%	Same $500,000 @ 6.5%, swept with $15,000/mo
Interest paid	$522,020 over 30 years	~$52,930
Time to pay off	30 years	~3.1 years

This is a hypothetical, illustrative comparison based on a $15,000/month cash sweep — it is not a projection or promise for any individual’s situation. Actual results depend on income, spending, the rate on the line, and discipline in following the sweep process. Line-of-credit rates are typically variable and can change. Run your own numbers before drawing any conclusions.

Line of credit modeled at 6.5% with a $15,000/month sweep.

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511 Delaware St, the Grace Real Estate Building in Kansas City — 511 Delaware St, Kansas City, MO — Grace Real Estate Building, built 1880.

The Real Story

The building that started it.

$1MBuilding Value

$300KMortgage

$150KCash Swept In

$750KLine Opened

After a trip to Australia, Pat opened a $750,000 line of credit on his $1M commercial building at 511 Delaware St (75% LTV), paid off the $300,000 mortgage, swept in $150,000 from checking, and applied $15,000/month in rental income. The $300,000 was paid down in 10 months at roughly $5,000 in interest — with the line still open and available.

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An Honest Assessment

Is this a fit?

Works for you if

You have equity — home, rentals, commercial, or life insurance
You have steady income or rent to sweep
You spend less than you earn
You want your money accessible, not locked away

Will challenge you if

You spend whatever’s in the account
Expenses exceed income most months
You want a fixed set-it-and-forget-it payment
You’re not comfortable with a variable rate

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Your Advisor

Pat Grace

Licensed Mortgage Loan Officer · NMLS #2476993

$64M+Total Assets

$32MLines of Credit in Use

15 YearsUsing Lines of Credit

10 CompaniesBuilt in Kansas City

Pat Grace is a Kansas City real estate investor and licensed mortgage loan officer. He discovered the line of credit sweep strategy on a trip to Australia 15 years ago and has used it across his own properties and companies ever since. Today his team helps homeowners, investors, and business owners set up the same structure.

Meet Pat

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Questions

Frequently asked

What does it cost?: We charge a 1–2 point borrower-paid origination fee. Any other costs are reviewed with you in writing before you commit to anything.
How much can I borrow?: Lines range from $300,000 to $30 million, based on your equity and approval.
My mortgage rate is lower — why switch?: Because every dollar of income sits against the line balance until you spend it, the balance drops faster — which can outweigh a rate difference. Whether it does depends on your income, spending, and rate, so we run your numbers with you.

See All Questions

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Ready to Put Your Equity to Work?

Tell us what you own. We'll structure the line, package it, get it approved, and set up your sweep.

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Begin the Conversation

Ready to set up your line of credit?

Tell us about your property and Pat's team will call you to review your options.

Save Pat's Contact

Email Pat

pat@patgraceheloc.com

Ready now?

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