How It Works

One structural shift. Two steps.

Instead of an amortized loan with front-loaded interest, a first-lien line charges simple interest on a balance that drops every time money lands.

Replace the mortgage with a line of credit

A first-lien line pays off your existing mortgage and charges simple interest only on what you actually owe — not an amortized loan with front-loaded interest.

Run income and expenses through the line

Deposits reduce the balance the day they land. Expenses draw back out as needed.

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

Want the deeper explanation? Read our First-Lien HELOC Guide.

The Problem

Five problems hiding in plain sight.

Your equity is trapped

Real wealth sitting in your property, inaccessible without selling or refinancing.

The front-loaded interest trap

A traditional mortgage charges most of its interest in the early years; extra payments don’t reach principal until late in the loan.

Cash flow is harder to find

At today’s prices, financed properties barely break even.

Inflation is quietly taxing idle cash

Money sitting in checking or savings loses buying power every year it sits still.

Nothing you own works together

Checking, savings, and mortgage all operate in isolation instead of as one system.

Watch

Pat walks through the strategy.

Illustrative Comparison

What the difference looks like.

	30-Year Mortgage	Line of Credit Structure
Example loan	$500,000 @ 5.5%	Same $500,000, 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.

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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

The Process

From first call to first sweep.

You bring the equity. Our team runs the entire process, step by step.

01
Prepare Your PFS
We help you build your personal financial statement.
02
Package the Loan
We assemble a complete, bank-ready loan file.
03
Submit to Banks
We take your file to our lending partners.
04
Get Approved
We work it through underwriting to approval.
05
Doc Prep
We handle document preparation.
06
Closing & Funding
We coordinate closing and get your line funded.
07
Set Up Your Sweep
We help you set up your accounts so income hits the line from day one.