Educational information is not a loan offer.

Chris Schults, Mortgage Loan Officer · NMLS #2838383 · Edge Home Finance, LLC · Company NMLS #891464.

Licensing information and current licensed states should be maintained in the site’s central `SITE` data and verified against NMLS Consumer Access.

Product availability

First-lien HELOC availability, lender participation, rates, margins, indexes, floors, caps, draw periods, credit limits, credit-limit schedules, fees, property types, occupancies, loan amounts, LTVs, reserves, state availability and underwriting requirements vary by lender and may change without notice.

Calculator and examples

Calculator outputs and examples on this site are educational illustrations. They are not quotes, approvals, guarantees, commitments to lend, or predictions of actual interest savings or payoff timing. Actual results depend on the loan obtained and future borrower behavior, rates, deposits, withdrawals, fees and other factors.

Variable-rate risk

Many first-lien HELOC products use variable interest rates. A rate can rise over time subject to the agreement, increasing interest expense and required payments.

Home-secured borrowing

A first-lien HELOC is secured by real property. Failure to meet the obligations of a home-secured loan can put the property at risk.

Tax, legal and investment matters

Nothing on this site is individualized tax, legal or investment advice. Consult the appropriate professional for those questions.

Equal Housing Opportunity

All mortgage products are subject to credit and property approval. Not all customers will qualify. Other restrictions and limitations may apply.