The Smarter Mortgage

Own more of your home faster.

EquityBoost restructures how your payment is split — more goes to principal from day one. Same monthly payment as a conventional mortgage at the same rate, available as a 30-year loan, while building more equity on a $400,000 Iowa home.

Start My Application → See how it works

After 10 years — $320k loan · $400k home

Principal Paid Down

EquityBoost 30-yr —

Conventional Mortgage $50,230

$214k

EquityBoost balance

$270k

Traditional balance

+$55,516 more equity in your pocket

Two Products. One Mission.

Which loan is right for you?

EquityBoost is built for borrowers who want to own their home for the long term. ExitFirst is built for borrowers who have a clear plan to sell within 5 or 7 years. Same quality — different strategy.

Best for Long-Term Owners

EquityBoost

Same monthly payment as a conventional mortgage — but you build more equity every year. No balloon, no gimmicks. Fully paid off in 30 years.

✓ Same monthly payment as conventional

✓ More equity built vs conventional — same payment, same rate

✓ Measurable equity advantage every year you own

✓ 30-year fixed — no balloon

✓ Best if you plan to stay 10+ years

Example — $400k home · 20% down

Monthly payment~$1,977/mo

Equity at year 10~$106,000

Apply for EquityBoost →

Best for Planned Exits

ExitFirst ✦

Interest-only payments for 5 or 7 years — dramatically cutting your monthly bill while you own the home. Sell at maturity or convert to EquityBoost with a 60% interest credit.

✓ $685/mo less than conventional

✓ $41k–$57k total savings over hold period

✓ 5-year or 7-year terms

✓ Built-in conversion path with 60% interest credit

✓ Rate cap protection at conversion

Example — $400k home · 20% down

Monthly payment~$1,292/mo

Savings vs conventional$685/mo

Learn About ExitFirst →

* Based on $400,000 purchase price, 20% down ($320,000 loan), 30-year term. Results will vary. Not a commitment to lend.

Payment Estimator

Estimated Monthly Payments

Updated weekly

EquityBoost 30-Year Fixed

Loan Amount	Term	Est. Monthly Payment
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Estimated payments are based on current market conditions and updated weekly. EquityBoost uses a flat financing charge structure — your exact monthly payment will be disclosed at application per TILA/Reg Z. All loans subject to credit approval and underwriting review. 20% down payment required. Primary residence only.

Get My Rate →

The Mechanics

How EquityBoost Works

We flipped the traditional mortgage model. Instead of front-loading interest in early years, EquityBoost restructures your payment so more goes to principal from the very first month — giving you a measurable equity advantage every year you own your home.

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Built for Borrowers, Not Investors

With EquityBoost, you always know exactly how much of your home you own — and it grows consistently from your very first payment. No front-loading that keeps your money working for a lender instead of for you. This is a mortgage built for everyday Americans who want to build real wealth, not for investors to get rich.

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Competitive Monthly Payment

Your total monthly payment is structured to match a conventional mortgage at the same rate — available as a 30-year loan. The difference is in the split: more principal, less financing charge, from day one.

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Equity Accelerates Fast

Because principal drops from day one, your equity builds faster than a conventional mortgage — especially in the years when most homeowners sell or refinance. Every year you own, you're ahead.

Interactive Calculator

See your equity advantage

Enter your loan details to instantly compare an EquityBoost 30-year loan against a conventional mortgage at current market rates.

Home Purchase Price

Down Payment (%)

Down Payment 20%

Years You Plan to Stay

Hold Period 10 yrs

Loan Term

Your Personalized Comparison

Conventional Mortgage

Monthly Payment

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Principal Paid (10 yrs)

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Remaining Balance

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EquityBoost Loan ✦
Est. Monthly Payment
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Principal Paid (10 yrs)
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Remaining Balance
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Extra equity with EquityBoost

Money in your pocket at sale / refinance

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Equity built over time

Refinance with EquityBoost

Trapped in a conventional mortgage? Your equity deserves better.

If you're already in a conventional mortgage, an EquityBoost refinance lets you escape the front-loaded payment structure and start building real equity — immediately.

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The Problem with Your Current Loan

In the first 10 years of a conventional 30-year mortgage, nearly 80% of every payment goes to interest — not your home. You've been paying for years and barely own more of it.

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What an EquityBoost Refi Does

From your very first EquityBoost payment, principal repayment is straight-line. Your balance drops the same amount every single month — no more front-loaded interest — your principal drops the same amount every single month.

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Who It's Best For

Homeowners 1–8 years into a conventional loan who haven't built much equity yet. The earlier you switch, the more front-loaded interest you avoid paying — and the faster you own your home outright.

Explore a Refi → 30-year term · Rate matches current conventional market

Side by Side

EquityBoost vs. Conventional Mortgage

Feature	Conventional Mortgage	EquityBoost Loan
Loan Terms Available	15-yr or 30-yr fixed	30-year fixed ✓
Monthly Payment	~$1,977 (on $320k, 30-yr at 6.28%)	Priced to match conventional at same rate ✓
Financing Charge Structure	Interest-heavy — most payments go to interest in early years	More goes to principal from day one — transparent & predictable
Principal Repayment	Back-loaded — tiny at first	Equal every month from day 1
Equity after 10 years	Significant principal paid down	✔ More principal paid down — every year
Balance after 10 years	Higher remaining balance	✔ Lower remaining balance — more equity to take at sale
Predictability	Varies (interest-heavy early)	✔ Fully transparent & flat
Benefit if you sell early	✗ Minimal equity built	✔ Significant equity advantage
Total financing charges (30yr)	~$392,000 (interest-heavy early)	~$392,000 (structured differently) — same total

Need More Monthly Cash Flow?

Introducing ExitFirst — our short-term loan built for planned exits.

Not everyone needs to build equity for 30 years. If you plan to sell within 5 or 7 years, ExitFirst lets you pay interest only — dramatically cutting your monthly payment while you own the home.

$685

Less per month vs conventional on a $400k home with 20% down

$41k+

Total cash savings over a 5-year hold period

60%

Interest credit if you convert to EquityBoost instead of selling

Explore ExitFirst → 5-year & 7-year terms · Interest only · Built-in conversion path

Common Questions

Frequently Asked Questions

Is my monthly payment really the same as a traditional mortgage?

Yes. EquityBoost 15 and 30-year loans are priced to be competitive with any conventional mortgage at current market rates. Your total payment (principal + financing charge) is comparable to a conventional loan at the same rate. The difference is in how that payment is structured — more goes to principal from day one. Your APR will be disclosed upfront as required by law, so you can compare directly.

Does the lender make less money with EquityBoost?

Over the full 30-year term, the lender's total financing charges equal what a conventional mortgage would earn (~$392,000 on a $320k loan). If borrowers sell early, total charges collected will be less — which is offset by a one-time origination fee at closing. The model is designed to be sustainable for lenders while genuinely rewarding borrowers who move or refinance.

What happens if I stay for all 30 years?

You pay the same total financing charges as a conventional mortgage would cost over 30 years. The real advantage of EquityBoost is realized in the first 10–20 years — the window where most homeowners sell or refinance. Every year you own, you've built more equity than you would have with a conventional loan at the same rate and same payment. If you stay all 30 years, you still end up owning your home outright with a simpler, more transparent payment structure.

Is the financing charge tax deductible?

EquityBoost's financing charge is structured as interest under applicable law, and your APR and total interest cost will be fully disclosed at closing per federal Truth in Lending Act (TILA) requirements. As with any mortgage, the deductibility of your interest payments depends on your individual tax situation. We recommend consulting a tax advisor — for many borrowers who take the standard deduction, the practical impact is minimal.

Can I pay off the loan early or make extra payments?

Yes. Extra payments reduce your outstanding principal balance directly. Because your financing charge is a flat fixed amount rather than a rate applied to a declining balance under conventional amortization, any additional principal payments have an immediate and proportional impact on your remaining balance — making EquityBoost particularly efficient for borrowers who want to pay down their loan faster.