Demo prototype.  Mock auth via localStorage. Production uses Supabase Auth + AE-invited broker signup.
Broker Scenario Tool HTL Wholesale
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.
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% or 5.99%). 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.

EquitySelect
EquitySelect LTV MatrixHighTechLending · Wholesale
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

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.
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

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Customization Instructions

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