Pay off your mortgage in 5–10 years. Keep your equity liquid. Use your income to eliminate interest daily — then deploy that wealth into investments, vehicles, renovations, or anything else. A powerful tool for disciplined, high-earning individuals.
This isn't a second lien or a side account stacked on top of what you owe. It takes first position — replacing your mortgage completely. One balance. One focus. Every dollar you earn goes straight at it.
Interest is calculated daily on whatever your balance is at that moment. No front-loading. No bank collecting years of interest before you touch principal. Your balance drops, your interest charge drops with it — automatically.
Every dollar you deposit goes directly to your principal balance — immediately reducing the amount interest is calculated on. On a standard amortized loan, the bank structures payments so most of your money goes to interest first. Here, it's flipped entirely in your favor.
As you pay down your balance, your available credit increases. That equity isn't locked in a wall — it's accessible like a bank account, ready to be redeployed into your next move.
Enter your loan info and income — every number updates instantly.
I don't originate loans — but I work with lenders who specialize in this product. Braxton is my go-to call for the Wealth Builder.
Braxton specializes in creative financing structures including the First Lien HELOC Wealth Builder product. He walks clients through the math, qualifications, and setup — and moves fast. If this strategy fits your situation, he's who I call first.
Brandon Ngo is not a lender and does not originate loans. All lending is facilitated through Braxton Mora at Kai Mortgage. Approval depends on creditworthiness, income, and other qualifying factors.
This calculator is for illustrative purposes only and does not constitute financial, legal, or lending advice. Brandon Ngo is a licensed real estate advisor — not a lender, mortgage broker, or financial advisor. Results are estimates based on the math model described and will vary based on actual rate changes, deposit timing, withdrawals, and lender-specific terms. Interest is calculated using the daily periodic rate (APR ÷ 365) multiplied by actual days per month. Consult a licensed lending professional before making any financing decisions.