Demo prototype.  Mock auth via localStorage. Production uses Supabase Auth + AE-invited broker signup.
Welcome back

Let's prequalify a borrower.

Enter a few facts. EquitySelect numbers update live, with a side-by-side against the bank options your borrower would otherwise see. Continue to the full calculator when you're ready to originate.

Scenario inputs

Start with the basics. Reveal more fields when you have them.

Required to hand off to the full calculator.
Replace the borrower's existing mortgage with EquitySelect.
30-Day Avg SOFR · — · Initial note rate · — ⓘ Source: 30-Day Average SOFR, Federal Reserve Bank of New York, retrieved from FRED, Federal Reserve Bank of St. Louis.
Affects LTV table, CLTV cap, accruing rate, and any neg-am dynamics. Confirm pricing with HTL before quoting.
In addition to paying off the mortgage (1st lien) or as a draw (2nd lien). Drag the slider to flex the draw between program min and 90% max.
EquitySelect prequal

Enter a home value and age to begin

Start with the basics — the rest follows.

Ready to keep going?

Open this scenario in the full wholesale calculator to complete pricing and originate the loan.

FOR PROFESSIONAL USE ONLY. This tool is a business communication for HTL Wholesale broker partners — not for distribution to consumers or the general public. EquitySelect is a 40-year, non-recourse balloon HELOC. The Borrower elects a Minimum Monthly Payment Percentage Plan (1–5%) at origination; selected Plan rate applies for the life of the loan. Negative amortization will result when the selected Plan rate is below the accruing rate. HighTechLending Inc. NMLS #7147. Subject to credit and program guidelines. Rates and terms subject to change.

All calculations are illustrative and based on current published LTV tables for the selected margin (5.49%, 5.99%, 6.125%, or 6.25%). Actual eligibility, LTV, and pricing confirmed at submission. Comparison numbers use 8.50% / 20-yr amortization for traditional HELOC and 6.50% / 30-yr for cash-out refi unless broker-supplied rates are entered.

Purchase transactions are available in Florida, California, and Arizona only. Down payment shown is purchase price minus the approved EquitySelect line of credit and does not include closing costs, prepaid items, escrows, or HTL fees. Closing costs vary by transaction and are disclosed on the Loan Estimate.

Wholesale Reference Tool

Every plan, side by side.

Enter the borrower's home value, age, and intended loan amount. See every Plan side-by-side — Max LTV, Max LOC, Cap / Qualifying payment, and HELOC qualifying payment. Pick the row that fits the borrower's profile.

Borrower basics

A few numbers tell the full story. Margin and lien selection refine the math.
Optional — enables state-specific eligibility checks (lien availability, minimum LOC).
Intended draw at closing. Auto-bumped to the program minimum if entered below (50% of LOC for 1st lien, 80% for 2nd).
Lien strategy
Margin
30-Day Avg SOFR · — · Initial note rate · — ⓘ Source: 30-Day Average SOFR, Federal Reserve Bank of New York, retrieved from FRED, Federal Reserve Bank of St. Louis.

5% Payment Plan to 1% Payment Plan

Each row shows the maximum line of credit at that plan, the Cap / Qualifying payment underwriting uses for DTI, and the qualifying payment a traditional bank HELOC would require on the same line — both assume a fully-drawn LOC, so they're directly comparable.
Payment Plan Max LTV Max LOC Cap / Qualifying payment HELOC qualifying payment
For professional use only This tool is a wholesale reference for HTL broker partners — not for distribution to consumers. EquitySelect is a 40-year non-recourse balloon HELOC. The Borrower elects a Minimum Monthly Payment Percentage Plan (1–5%) at origination; selected Plan rate applies for the life of the loan. Negative amortization will result when the selected Plan rate is below the accruing rate. HighTechLending Inc. NMLS #7147. Subject to credit and program guidelines. Rates and terms subject to change. All matrix figures are illustrative and based on current published LTV tables; the Cap / Qualifying payment uses a 10% qualifying assumption per program rules. The HELOC qualifying payment is calculated on the fully-drawn maximum LOC at 8.50% / 20-year amortization — apples-to-apples with the Cap payment, which also assumes a full draw at funding. Actual borrower payments scale with the actual draw at closing.
EquitySelect LTV Matrix · HighTechLending Inc. NMLS #7147 · For professional use only
Wholesale Tool \u00b7 Cash Flow

EquitySelect Cash Flow

Show a borrower how much monthly cash they free up by replacing their mortgage and paying off credit-card debt with a single EquitySelect line.

Borrower Inputs
Home & Mortgage
$
$
%
$
From the borrower's statement.
Credit Card Debt
$
%
$
New EquitySelect 1st Lien
$
Auto-suggested as mortgage + card, capped at the LTV-qualified maximum.
Max qualifying loan: $0
Available payment plans are read from the current LTV table.
Available margins are read from the current first-lien table.
Eligible payment plans for this age.
10.00%
Qualifying assumption (per program).
$0 / mo
Auto-computed from payment plan + age.
$
Paid on top of the minimum; goes straight to principal.
Projection assumptions (optional)
$
$
%
%
These only affect the 20-year projection below, not the monthly cash-flow numbers.
Extra monthly cash flow
$0/mo
back in the borrower's pocket every month
New EquitySelect payment
$0/mo
Credit card wiped out
$0
Where the monthly payment goes
See the 20-year picture savings, equity & the trade-off over time
Payments freed over 5 yrs
$0
total payments not made
Extra savings over 5 yrs
$0
vs. keeping the mortgage + card
Cash kept in your pocket (cumulative)
Running total of the payments the borrower doesn't make vs. their current mortgage + card. No market assumptions — just payments avoided.
Total position (savings + home equity − card)
Keep mortgage + card EquitySelect
Assumes the borrower banks the freed-up cash and the home appreciates over time.
Year-by-year snapshot
End of yearCurrent
cash		Current
equity		Current
card		 ES
cash		ES
equity		ES
loan bal

FOR PROFESSIONAL USE ONLY. This tool is a business communication for HTL Wholesale broker partners — not for distribution to consumers or the general public. EquitySelect is a 40-year, non-recourse balloon HELOC. The Borrower elects a Minimum Monthly Payment Percentage Plan (1–5%) at origination; selected Plan rate applies for the life of the loan. Negative amortization will result when the selected Plan rate is below the accruing rate. HighTechLending Inc. NMLS #7147. Subject to credit and program guidelines. Rates and terms subject to change.

EquitySelect Cash Flow Calculator · HighTechLending Inc. NMLS #7147 · For professional use only
HTL Wholesale · Broker Tools

EquitySelect vs. Reverse Mortgage

One borrower profile, two products side by side — on the three things brokers asked for: cash available now, the line of credit, and closing costs. The cost waterfall under each shows why the numbers differ.

Borrower profile

Shared across all three products.

$
HECM requires 62+. EquitySelect: 18+.
$
Retired at closing by all three. Enter 0 if free & clear.

EquitySelect inputs

40-yr 1st-lien LOC.

EquitySelect margin
Available margins come from the current first-lien matrix.
Payment plan
Age 60+ — all plans available.
Origination fee
%
Up to 2% of the max HELOC. A flat fee above that is capped at 2%.
$
Title, appraisal, recording. No MIP.

HECM inputs

FHA-insured reverse mortgage.

%
Showing a saved 10-Yr CMT. The loan officer can override it; auto-update turns on once HTL's rate feed is connected.
10-Yr CMT 4.45% + margin 2.50% = expected rate — (rounded to ⅛%, floored at 3%)
$
Appraisal, title, counseling, recording. IMIP & origination auto-computed.

Cash needed at closing

How much cash the borrower wants in hand. Each product shows how it delivers that amount.

$0
$0—
HighTechLending

EquitySelect

40-yr 1st-lien line of credit
Eligible
Cash at closing
—
Line of credit—
Closing costs—
No mortgage insurance premium
FHA-insured

HECM

Home Equity Conversion Mortgage
Eligible
Cash at closing
—
Net line of credit—
Closing costs—
Includes 2% initial MIP

Method & assumptions

EquitySelect — 1st-lien LOC using the selected margin from the current matrix service. Line = home value × LTV(age, plan), capped at $4M. Max draw at close = 90% of the line. Cash at closing = max draw − mortgage payoff − origination − third-party costs. Origination is the broker's choice of a percentage or a flat fee, capped at 2% of the max HELOC (the full line). No mortgage insurance.

HECM — Principal Limit = Maximum Claim Amount × PLF(youngest age, expected rate). MCA = lesser of home value or the 2026 lending limit ($1,249,125). Expected rate = 10-yr CMT + lender margin, rounded to ⅛%, floored at 3%. Costs: initial MIP 2% of MCA + origination (greater of $2,500 or 2% of first $200K + 1% above, capped $6,000) + third-party. Year-one cash reflects the 60%-of-PL first-year disbursement cap; the full net line becomes accessible after 12 months (and the unused portion grows — not modeled here).

For broker use. Estimates only — not a commitment to lend, an APR, or a Loan Estimate. HighTechLending, Inc. NMLS #7147.

FOR PROFESSIONAL USE ONLY. This tool is a business communication for HTL Wholesale broker partners — not for distribution to consumers or the general public. EquitySelect is a 40-year, non-recourse balloon HELOC. The Borrower elects a Minimum Monthly Payment Percentage Plan (1–5%) at origination; selected Plan rate applies for the life of the loan. Negative amortization will result when the selected Plan rate is below the accruing rate. HighTechLending Inc. NMLS #7147. Subject to credit and program guidelines. Rates and terms subject to change.

© HTL Wholesale - Reverse Mortgage. All Rights Reserved.

Customization Instructions

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