THE BASICS
Not Your Typical Mortgage
The Equity Builder Loan is a 30-year Home Equity Line of Credit linked directly to a checking account. Instead of paying interest on your full loan balance for three decades, your deposits reduce what you owe every single night. Bills get paid, the balance adjusts, and interest is calculated only on what you actually owe that day.
The result is a mortgage that works the way your money already works, constantly moving, constantly reducing what the bank can charge you.
Watch: Equity Builder Loan Intro
A Real Example
Your Money works while you sleep
Your paycheck hits your checking account
Deposits reduce the mortgage balance that same night.
Bills are paid like normal
The HELOC replenishes the checking account as you spend.
Interest is calculated on the daily balance
Not the original loan amount -- what you actually owe that day.
The savings compound over time
Every dollar sitting in your account is reducing interest charges.
7-10
Average years to payoff
$100k+
Potential interest saved
500+
Homeowners helped
Results vary based on loan amount, income, and spending habits. Run the numbers to see your potential savings.
THE ILLUSTRATED EXPLAINER
Your Money works while you sleep
Sometimes it clicks better when you see it. Aaron walks through the full concept in this short video. What it is, how it works, and why it could be the most powerful mortgage product available for the right borrower.
WHY IT WORKS
Three Reasons This Changes the Math
Principal First
Traditional mortgages front-load interest. The EBL applies deposits directly to principal, so less of every payment goes to the bank.
Daily Interest Calculation
Interest is charged only on your actual daily balance, not the original loan amount. Lower balance = less interest, every single day.
Liquidity You Keep
Your money stays accessible. You have full access to your equity through the HELOC. No need to lock funds away to make progress.
A Real Example
Your Money works while you sleep
- Deposit income regularly into a checking account
- Save at least 10% of their net monthly income
- Have a DTI at or below 43%
- Are motivated to pay their home off faster
Not sure if you qualify? Todd and Aaron will tell you upfront. No pressure, no runaround.