Start with your actual cash flow.
Mortgage balance, property value, income, spending, reserves, current rate, and future plans come before any product recommendation.
Why I built HELOC Your Mortgage
Most homeowners have never been shown this mortgage structure clearly.
I built HELOCYourMortgage.com to make the 30-year first-lien HELOC understandable before you ever have to decide whether you want one. My approach is simple: educate first, compare the math, and let you decide.
Chris Schults · NMLS #2838383 · Edge Home Finance, LLC · NMLS #891464
▶ Meet Chris SchultsMeet the person you’ll actually work with.
The gap I kept seeing
A complicated product was usually explained with either hype or a rate sheet.
A first-lien HELOC is neither magic nor just another generic HELOC. It is a home-loan structure whose value depends on daily balance, household cash flow, liquidity, rate risk, and the actual lender program available to the borrower.
That is why this site focuses so heavily on calculators, examples, comparisons, and tradeoffs. I want you to understand why the strategy may work before we talk about applying.
How I work
The mortgage should earn the recommendation.
Compare the complete structure.
Rate matters, but so do total interest, liquidity, draw rules, credit-limit behavior, fees, and the fixed-mortgage alternative.
Show the risks on the same page as the benefits.
Variable-rate exposure, reborrowing, changing line limits, and behavioral fit should not be hidden in fine print.
Stay personally involved.
You should be able to call the person who understands the recommendation, not get handed to someone who has never seen your scenario.
The person behind the site
A husband, father of five, runner, coach, and neighbor.
My wife and I are raising five children in the Ann Arbor area. Our home is busy, rarely quiet, and full of different needs, schedules, and plans. That perspective matters when I help someone make a mortgage decision.
A mortgage does not happen in isolation. It affects the monthly budget, the family, future plans, how much flexibility you have, and how secure you feel when life changes.
Your mortgage is more than a transaction. It is part of the life you are building.
Why the broker model matters
I am not trying to force every borrower into one lender’s version of the product.
First-lien HELOC programs can differ in rate structure, draw period, line limits, property eligibility, reserves, states, and underwriting. My role is to review the wholesale options available for your scenario and compare them with the traditional mortgage alternatives.
Tell me what you want your mortgage to do →A conversation is the next step
You do not need to know which program fits before you call.
Bring the mortgage balance, income, spending, and your questions. I’ll help you understand the opportunity, the obstacles, and the next logical step.