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Using Your Home Equity for Managing Money

Use a Home Equity Line of Credit
with a 5-10 year draw period — use the line as your personal banker to manage your money.
(you can learn more - links scroll to information below)
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Managing Your Money:

Introducing the Banker Line of Credit

Banker Home Equity Line of Credit (BLOC)

You will use the BLOC as your personal money account to manage all income and expenses.

You will deposit into the account:

·  all income payments
·  all bonuses
·  all capital gains not reinvested
·  all cash payments
·  all other income

Likewise, you will use your BLOC to pay:

·  your mortgage payment
·  your insurance
·  your credit card payments
·  your living expenses
·  all other expenses


The BLOC will Maximize Your Money Position

Your BLOC will take your discretionary income (total income minus expenses) and use the proceeds to payoff all debts, pay down your mortgage, help finance key projects, and pay for other needed events at minimum interest cost.

You will never make a payment to your BLOC since your income deposits will be your payment. And since HELOCs are based on simply interest, these deposits will force adjustments to your equity line balance ensuring you minimal interest charges.

we have a complete demonstration with illustrations on how the BLOC can work for you


View our 10-Step Plan for Banking Success

Our quick 10-Step plan can help you maximize the BLOC benefits. Our step-plans include expense management, tips to lower your bills, guides to increase discretionary income, and other helpful hints on using the BLOC.

view our 10-step plan

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Managing Your Money:

Program Illustration

Effective Money Management

You can use the equity in your home to become a BANK
to pay for

  • home improvement
  • credit card and personal loan balances
  • college
  • a new or used auto
  • and anything you need for your family

    by simply changing the ways you manage your money.

Instead of using your checking account to receive and payout funds, you will use your home equity line of credit account for all income deposits and expense pay outs.

View the illustrations below:

1st: Use the equity in your home to finance family needs

Use your equity line to pay for:

  • home improvement
  • college
  • debts
  • other family need

2nd: Deposit all of your income into your banker home equity line of credit account

You will take all of your income sources and deposit them into your equity line account instead of your checking account. You will deposit:

  • salary income
  • capital gains
  • savings
  • spare change

3rd: Now use your banker home equity account to pay family expenses

Use your banker home equity account to pay for everyday budgeted and planned expenses such as:

  • monthly utilities
  • food and clothing
  • mortgage payment
  • budgeted charges
  • other living expenses

use it like you would
use your regular
checking account
to pay for everyday
living expenses

Benefit: Your discretionary income pay offs your business borrowing costs FAST!

Your discretionary income (the income amount minus your expenses) remains into your banker home equity line account to lower the debt balance on your equity line.

Over time, you will be able to pay off your equity line in half the time by budgeting and managing your banker home equity line of credit.

You can use your banker account to finance all kinds of family needs including paying off your mortgage.

Where to Next

Note: The recommended product, term and use are listed as illustrative purposes on how you might use the equity in your home. Please note that your circumstances may be different and that the recommended product, term and use may not fit your particular need. is not a lender. Therefore, we cannot quote rates or guarantee best terms. We refer applicants interested in getting a lending quote to Secure Rights, a licensed mortgage broker representing multiple home equity lenders.

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Home Equity Application


Current Prime Rate: 3.25%
Equity Rate Range * LTV Type
(-0.50 to 0.25%)
80% LINE
(0.25 to 1.50%)
90% LINE
(0.00 to 2.50%)
80% LOAN
(2.50 to 3.75%)
90% LOAN
* sample home equity rate ranges: see notes