Smarter Home Financing Starts Here.

It’s time to explore new ways of financing homes in America. The 30-year mortgage has served homeowners for nearly a century, but it was created in a very different financial era. While familiar, it’s not always the most flexible option for today’s homeowners.

With a traditional mortgage, early payments are weighted more toward interest than equity. For homeowners who move or refinance every few years, this often means starting the schedule over— making it harder to build equity as quickly as you might like.

Equity Advancer is a powerful alternative to a traditional mortgage.

This smarter loan structure links a first-lien home equity line of credit (HELOC) directly to your checking account. Each night, your deposits are automatically applied to your balance—reducing interest, building equity faster, and helping you pay off your home sooner.*

What Equity Advancer Can Do for You:

• Lower your borrowing costs: Interest is recalculated nightly based on your balance
• Pay off your home faster: Use a smarter mortgage payoff strategy where deposits go straight to principal and accelerate your payoff
• Stay flexible with your funds: Withdraw anytime for life’s needs, emergencies, or opportunities**
• No refinancing required: Payments adjust automatically—no new loan needed

It’s not just a loan. It’s a smarter strategy.

See What You Could Save

Backed by decades of lending experience and trusted by homeowners nationwide.

*After the interest payment for the month is made.

**Adding to the balance of your line can add interest to your payment and decelerate your mortgage payoff