The Equity Optimizer
Your income can do more.
A first-lien line of credit built around your cash flow: income automatically lowers the balance, spending draws from it, and eligible homeowners may access up to 90% of the home’s value.
A plan built around you.With Travis BrizendineMortgage Advisor · NMLS #1056864A clearer path to paid off
30-year interest-cost equivalent
3.30%Same total interest as a 30-year loan at this rate.Not your actual rate or APR · Loan rate: 7.52%How is this range set?
It only shows goals your income and spending can support. Fees and payment timing are excluded.
$3,000/mo
13 yr 2 mo
About this illustration
Small movements show deposits and withdrawals, not a daily forecast. The estimate is monthly and excludes fees, daily timing and rate changes. The fixed loan uses scheduled payments; the Optimizer uses your chosen amount. A fixed loan can also be paid faster with extra payments.
Look closer at the comparison
Make it an equal-payment comparison.
See what the fixed loan does with the same money each month.
| Plan | Monthly amount | Time to paid off | Total interest |
|---|---|---|---|
| 30-year fixed · scheduled | $1,896 | 30 yr | $382,633 |
| Fixed · same monthly budget | $3,000 | 12 yr 1 mo | $133,259 |
| Optimizer · monthly model | $3,000 | 13 yr 2 mo | $173,157 |
Your interest total matches a hypothetical 30-year loan at 3.30%. This is not your actual rate or APR. Faster repayment changes total interest; it does not change the rate your loan charges. Daily cash movement is not modeled, so this does not measure that feature’s separate benefit.
Want the deeper story?
More, when you want it.
How the Equity Optimizer works
It replaces the mortgage. Income lowers the balance. Spending raises it. The difference reduces debt.
Income reduces what you owe right away.
One-month example using your inputs. Interest is estimated on the starting balance; actual daily timing and loan terms change the result. Spending may include money set aside for other goals. Deposits in this example stop at a zero balance.
Pay down debt or keep more to invest?
Choose a pace that feels comfortable. Your plan should leave room for everyday life, emergency savings and the things you love.
Compare investing with the actual borrowing rate, taxes, costs, risk and your need for cash. The interest-cost equivalent shown above is not the loan rate or an investment return.
What’s the catch?
Plan for upfront costs, an origination fee and possible discount points. The benefit needs to justify the cost.
- Spending less than you earn drives the payoff.
- The rate and payment can change.
- Access to the credit line can be limited under its terms.
- Your home secures the loan. Taxes and insurance remain your responsibility.
Travis will compare the quote, terms and alternatives with you before you decide.
Let’s make it personal
You bring the goals.
I’ll help with the plan.
Your numbers. Your options. A clear answer.
Travis Brizendine, C.M.A. NMLS #1056864 · Fairway Home Mortgage