Call or text
Best when you want to talk through the idea, your current mortgage, or whether the numbers are even worth modeling.
734-800-8330Talk with someone who understands first-lien HELOCs
You do not need to have the product figured out before you contact me.
Tell me what you owe, what you earn, roughly what your household spends, and what you want your mortgage to do. I can help you understand whether the first-lien HELOC deserves a closer look.
Send a short summary of your mortgage or purchase scenario and the questions you want answered.
chris.schults@edgehomefinance.comApply now
If you are ready to move from education to qualification, start the secure mortgage application.
Start Application →Helpful—but not required
If you have these five numbers, we can get useful fast.
- Current mortgage balance or expected purchase loan amount
- Estimated property value or purchase price
- Current mortgage rate, if refinancing
- Monthly take-home household income
- Normal monthly non-mortgage spending
What happens next
I will help you decide whether the HELOC is worth pursuing—not assume that it is.
I can compare current program availability, the rate structure, your cash-flow profile, liquidity needs, and the traditional mortgage alternative. If the first-lien HELOC does not clear the hurdle, I would rather show you that before you spend time forcing the wrong loan.