HELOCs

White Paper Unlocking growth: Why first-lien HELOCs are a smart play for lenders

Discover why forward-thinking lenders are turning to first-lien HELOCs to thrive in today’s high-rate, high-debt environment.
Partner Insights from

Mortgage-free homeowners and borrowers with historically low rates — over half at 4% or lower — are understandably hesitant to refinance. Yet, consumer debt levels rise as credit card balances and other loans reach new highs. This combination of substantial home equity and increasing consumer debt presents a challenge and an opportunity for lenders.

This paper reveals how lenders can leverage this opportunity to stay ahead in an evolving mortgage landscape. Learn how first-lien HELOCs are emerging as a powerful cash-out refinance alternative — and how to deploy them to win new borrowers while managing risk.

What you’ll learn:

  • Product clarity: How first-lien HELOCs stack up against traditional HELOC and cash-out refinances
  • Debt pressure: How $1.23T in rising credit card debt is accelerating demand for equity-based solutions
  • Borrower trends: Why the 40% of mortgage-free homeowners are primed for first-lien HELOCs
  • Growth strategy: Proven tactics to acquire high-quality borrowers and increase adoption in a crowded market

First-lien HELOCs represent a strategic pivot and a path forward. Forward-thinking lenders are using them to unlock a fast-growing homeowner segment seeking flexible, affordable access to their equity.

Download the white paper to see how leading institutions are making the shift.

HELOCs