Frequently Asked
Questions

HELOCs and other lines of credit are established lending products. Availability, terms, and legal requirements vary by state, lender, property, and borrower. Any recommendation must be based on the actual loan documents and reviewed with a licensed mortgage professional.

This is a variable-rate loan secured by your home, so the rate, fees, qualification requirements, spending habits, and available cash flow all matter. The strategy can reduce projected interest and payoff time for some households, but it is not automatically a better fit for everyone.

Product availability varies by state. The Wealth Builder guidelines currently reviewed for this calculator exclude Hawaii, Illinois, and New York. Texas is limited to second homes and investment properties, and other state restrictions may apply. We verify current eligibility before recommending any product or partner.

Perfect credit is not required, but approval depends on the lender's current standards, including credit, equity, income, debt-to-income ratio, occupancy, property type, and available reserves. A strategy session can help determine whether the numbers justify a formal application.

Jason is a licensed mortgage professional (NMLS #3370). He gets compensated when you close on an UnMortgage product, not for the strategy session. The session is free because the math sells itself. Full transparency: if you implement the system, the lender pays a commission just like any mortgage transaction.

Traditional mortgage servicing rewards long repayment schedules and steady interest income. UnMortgage shows a different cash-flow model that may reduce interest and shorten the payoff timeline when the numbers, qualification, and household behavior support it. The actual timeline varies by homeowner and is never guaranteed.

That's your choice. But understand you're choosing to keep getting robbed. The numbers don't lie. Check your amortization schedule and see how much interest you'll pay over 30 years. Then ask yourself if the bank deserves that money more than your family does.