You have questions. Here are real answers.

UnMortgage is an educational comparison process from Jason Iacovelli, a licensed mortgage professional. The free Money Map places your current mortgage beside a modeled qualifying 1st-lien line-of-credit alternative. You see both options, review the assumptions, and decide what to do next.

A qualifying 1st-lien line of credit generally replaces the existing 1st mortgage. It is secured by your home and may carry a variable rate. Deposits lower the line balance, spending raises it, and interest accrues from the outstanding daily balance. If that structure does not fit your household, Jason says so.

The alternative may have a variable rate, qualification requirements, lender fees, and spending-behavior risk. Durable progress depends on reliable income and positive monthly cash flow. The Money Map compares those factors with the remaining cost and terms of your current mortgage before anyone recommends a change.

Your current mortgage might win, and that is a legitimate Money Map result. Rate matters, but so do the remaining term, balance, fees, cash flow, equity, and available product terms. Jason recommends keeping the current mortgage when the full comparison supports it.

There is no universal minimum just to build the preliminary Money Map. Formal qualification depends on credit, equity, income, debts, property type, occupancy, reserves, and current lender guidelines. Those factors are screened before an application or product recommendation.

Yes. A 1st-lien line of credit is secured by your home, just like a traditional mortgage. It generally replaces the primary mortgage rather than sitting behind it as a separate 2nd mortgage. That is why the structure, equity, and household fit deserve careful review.

No product is available everywhere. Availability depends on state rules, lender guidelines, property, occupancy, and borrower qualifications, and those requirements can change. Current eligibility is confirmed before a product is recommended.

The preliminary Money Map is free. Jason is compensated if a mortgage transaction closes. If you keep your current mortgage, decide not to proceed, or do not qualify, there is no fee for building the preliminary comparison.

You receive a preliminary side-by-side projection of your current mortgage and the modeled alternative. It is not a loan approval, rate commitment, application, or payoff guarantee. You can review it yourself, book an optional session with Jason, or apply if the comparison deserves a deeper look.