Why a HELOC Levels the Playing Field Against Your Lender

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A 30-year mortgage at 3% means the bank collects roughly 50% of your home's value in interest alone. At 6 or 7%, they collect more than 100%. More than what the house cost.

That's the standard schedule. Not a worst case. The plan.

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A HELOC doesn't remove interest from the equation. What it does is hand control of the balance back to you. And on daily simple interest, every dollar you put in reduces what you owe that day.

That's the difference between a predetermined loss and a level playing field.
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