Beat your
HELOC

Enter your scenario. We'll show you, side by side, what a traditional HELOC offers — and where EquitySelect leaves it behind.

A different kind of HELOC.
Available in 16 states.
A happy couple on their couch at home
Your scenario
Enter your details, choose what matters most, and see your side-by-side comparison.
EquitySelect isn't yet available in this state. We're licensed in AZ, CA, CO, FL, GA, HI, ID, IL, MD, MI, NJ, OR, PA, UT, VA & WA.
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Head to head

The same scenario. The same loan size. Two very different loans.

A traditional HELOC and EquitySelect, priced side by side at the line size you'd actually qualify for.

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Enter your details above and select “See my comparison”
to view your side-by-side results.
Why it wins

Four reasons a traditional HELOC can't compete.

01
Qualify on a fraction of the payment
Traditional HELOCs qualify you on the full P&I they'll demand at recast. EquitySelect uses a capped qualifying payment based on your chosen plan — a far lower number that protects your DTI.
02
No payment shock at year 11
Most HELOCs end their 10-year draw and instantly recast to full amortization over 20 years — payments often double or triple overnight. EquitySelect's plan stays steady.
03
Bigger lines, especially with age
Traditional HELOCs typically cap at $500K and 85% CLTV. EquitySelect lines scale up to $4M — and our LTV tables give older borrowers more available equity, not less.
04
Five payment plans, your choice
Pick a 1%, 2%, 3%, 4%, or 5% plan when you close. A traditional HELOC gives you exactly one path: interest only until the draw period ends, then full P&I — like it or not.

HighTechLending, Inc. is an Equal Opportunity Lender, acting under the following trade names: American Senior and American Senior Lending. NMLS: #7147, 2030 Main Street, Suite #500, Irvine, CA 92614. AZ Mortgage Banker License # 0912577; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130937; CO Mortgage Company Registration – Regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee, License #53077; FL Mortgage Lender Servicer License #MLD1409; HI Mortgage Loan Originator Company License and Service License #HI-7147; ID Mortgage Broker/Lender License # MBL-2080007147; NC Mortgage Lender License #L-165611; NJ Residential Mortgage Lender License, Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company License #4517; OH Residential Mortgage Lending Act Certificate of Registration #RM.805365.000; OR Mortgage Lending License #ML-4386 and Servicer License #MS-139; SC Mortgage Lender/Servicer License #MLS-7147; TN Mortgage License #7147; UT Residential First Mortgage Notification and Mortgage Entity License #8874117; Virginia Broker and Lender Licenses #MC-5962.

EquitySelect is a home equity line of credit (HELOC) mortgage loan. Monthly payments may not cover all accrued interest, and unpaid interest is added to the balance, resulting in a balloon payment at the end of the term or upon payoff. There is a required minimum initial draw of $75,000 or 50% of the credit line for 1st-liens (80% for 2nd-liens), whichever is greater. The draw period lasts seven years for 1st liens (five years for 2nd liens) and no additional draws can be made after that. Interest Rate is based on Secured Overnight Financing Rate (SOFR) Index + Margin (APR). APR excludes loan fees, points and similar charges relating to opening, renewing, or continuing the account.

*Monthly payments may not cover all accrued interest, and unpaid interest is added to the balance, resulting in a balloon payment at the end of the term or upon payoff.