Wealthbuilder Loan!
Your mortgage.
Your bank account.
One powerful product.
A mortgage that works as hard as you do
The Wealth Builder HELOC combines your home loan and your checking account into one product. Every dollar you
deposit works to lower your outstanding balance — and since interest is calculated daily on whatever you
owe, less balance means less interest, starting the very next day.
How your money moves
1. Deposit your income Your paycheck or any deposit goes directly into your Wealth Builder account — just like a regular checking account.
2. Your balance drops That money immediately reduces your outstanding mortgage balance. Since interest accrues daily, you pay less interest starting the very next day.
3. Access funds anytime Your available credit grows as your balance drops. Need money for a bill or expenses? Draw from the line whenever you like — no refinancing is required.
THE BOTTOM LINE
The more surplus income flows through your account, the more interest you save — and the faster you build equity.
Borrowers who actively use the account can pay off their home in significantly less time than a traditional 30-year mortgage.
Wealthbuilder is a Unique Product!
ONE PRODUCT, THREE PROPERTIES
Primary Residence: Use the Wealth Builder HELOC as your primary home loan.
Second Home: Finance a vacation or second property the same smart way.
Investment Property: Put your investment property's equity to work.
A borrower can hold up to three Wealth Builder HELOCs simultaneously — one on each property type — up to $3,500,000 in combined loan amounts.
Wealthbuilder FAQ's
Who do I have to change how I bank?
Not necessarily. Some borrowers route all of their income and expenses through the Wealth Builder account to maximize
savings. Others take a hybrid approach — keeping their existing checking account and simply transferring surplus funds
periodically. Both work. The more actively you use the account, the greater the benefit.
What happens if I need to use money I've paid down?
Your available credit grows as your balance drops so if you need funds for home improvements, an emergency, or any
other purpose, you can draw from the line at any time without refinancing. The credit limit remains fixed for the first 10
years of the loan.
How is the interest rate determined?
Your available credit grows as your balance drops so if you need funds for home improvements, an emergency, or any
other purpose, you can draw from the line at any time without refinancing. The credit limit remains fixed for the first 10
years of the loan.
How fast can I realistically pay off my home?
It depends on your income, your spending habits, and how actively you use the account. Borrowers who consistently
route surplus income through the account can pay off significantly faster than with a traditional 30-year mortgage and in
some cases in half the time or less. Your loan officer can model this out for your specific situation.
Is there a minimum amount I must draw at closing?
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Can the interest be tax deductible?
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Owner/Broker
Testimonials
WHY People TRUST and LOVE Us
Call: 719-304-4900
102 S. Tejon Street, Suite 1100
Colorado Springs, Colorado, 80903
Email: [email protected]
