The California 1st-Lien HELOC: Turn Your Equity Into Cash.
Access up to $750k fast with a flexible, first-position equity line from Guardian Capital—without the age restrictions or loss of control of a reverse mortgage.
🔒 No impact on your credit score to check eligibility.
- Maintain Complete Ownership
- No Reverse Mortgage
- Access Up To $750k in Cash
Total Control Over Your Home's Equity.
Access up to $750k in as little as 7 days. Replace your existing mortgage or leverage your paid-off property with a flexible, high-limit equity line—while keeping absolute control of your title.
🔒 No impact on your credit score to check eligibility.
Avoid Reverse Mortgages
• Keep your home's title: Unlike a reverse mortgage, you retain 100% ownership and control of your property.
• No age restrictions: Qualify based on your home's value and financial profile, not your age.
• Preserve your legacy: Protect your family's inheritance while accessing the liquid cash you need today.
First Lien Sweep Strategy
• Dynamic interest savings: Swap your rigid 30-year mortgage for an agile, revolving first-position line.
• Make your deposits work: Use your regular income to drive down your daily principal balance before paying bills.
• Continuous access: Even while aggressively reducing principal, your equity remains fully accessible whenever you need it.
Flexible Financial Control
• Only pay for what you use: You are only charged interest on the specific funds you draw, never the unused limit.
• Interest-only flexibility: Take advantage of flexible draw periods and manageable interest-only payment structures.
• Fund any major goal: Secure a reliable financial safety net for home improvements, investments, or unexpected expenses.
🔒 No impact on your credit score to check eligibility.
Estimate Your 1st Lien Payment
See your estimated interest-only monthly payment based on your requested cash draw.
*This calculates an estimated interest-only monthly payment. With a HELOC, you only pay interest on the specific funds you actually draw from your available limit, not the total approved line amount.
🔒 No impact on your credit score to check eligibility.
Real Results for California Homeowners
