@radlamloan: Your paycheck already flows through your house. FlexFirst puts it to work. 💡 Most mortgages charge interest on a balance that only moves once a month, when your payment posts. The FlexFirst HELOC works differently — it replaces your mortgage with a first-lien line of credit tied to a checking account with an automatic sweep: Every dollar of income you deposit sweeps onto your loan balance that night, so interest is calculated on a lower balance every day. When you need to pay a bill or buy groceries, you use the debit card or checks like any account, and the money sweeps back. Whatever is left over each month — your surplus — has been quietly paying down principal the whole time. Who it fits: homeowners with steady income who spend less than they earn and want their money working between payday and bill day. Who it doesn't fit: anyone who needs to keep their current first mortgage untouched — FlexFirst is a first-lien loan, so it replaces that mortgage, and its rate is variable (based on the 30-day average SOFR + margin). Highlights: 10-year draw period with interest-only payments, then a 20-year repayment period • Lines from $50K up to $3M • Up to 80% LTV • 660 minimum credit score. Want to see your own payoff picture? Call/Text (626) 649-1289 or message me here — I'll run the numbers for your situation. — Radlam Thai, Wholesale Loan Officer | NMLS# 892235 | Groves Capital | radlamloan.com #FirstLienHELOC #FlexFirstHELOC #HELOC #MortgagePayoff #PayOffYourMortgage

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