Equity Select – Flexible Line of Credit
Equity Select is a first-position line of credit Colorado home loan offering flexible equity access with payment options as low as 1–2% of the annual balance.
Expert Guidance
Local support with a personal touch.
More Options
Access to 100+ wholesale lenders through C2 Financial.
Colorado Focused
Experience with Colorado buyers, homeowners, and investors.
Program Overview
Equity Select – Flexible Line of Credit
Access your home’s equity with confidence. Equity Select is a flexible line of credit that offers required monthly payment options starting as low as 1%. Designed to support long-term planning, it’s a smart middle ground between a traditional HELOC and a Reverse Mortgage.
Key Benefits
- » Required payments (as low as 1% of your balance) to keep budgeting on track
- » Ongoing flexible access to your equity, use it when you need it
- » Designed to support long-term financial planning
- » Not a reverse mortgage — available to more homeowners, with structured payments
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » Homeowners who want to tap equity without refinancing their first mortgage
- » Retirees or near-retirees looking for predictable monthly payments
- » Families who need flexible access to funds for home improvements, medical costs, or debt payoff
- » Anyone seeking an alternative to a reverse mortgage with required payments
These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.
Equity Select – Flexible Line of Credit
Access your home’s equity with confidence. Equity Select is a flexible line of credit that offers required monthly payment options starting as low as 1%. Designed to support long-term planning, it’s a smart middle ground between a traditional HELOC and a Reverse Mortgage.
Expert Guidance
Work with a local mortgage broker who understands specialized equity programs and can walk you through the options step by step.
More Options
Compare Equity Select alongside HELOCs, cash-out refinances, and Reverse Mortgages to find the best fit for your situation.
Colorado Focus
Designed with Colorado homeowners in mind, with lenders and guidelines that understand our local markets.
Program Overview
Equity Select gives homeowners flexible access to their home’s equity without the limitations of a traditional refinance. With payment options as low as 1% of your balance, this line of credit adapts to your goals — whether that means freeing up monthly cash flow, funding improvements, or strengthening long-term financial planning.
Key Benefits
- Low required payments — as little as 1% of your balance to help manage cash flow
- Flexible access to your home’s equity — draw funds when and how you need them
- Not a reverse mortgage — available to more homeowners, with structured payments
- Designed to support long-term financial planning
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » Homeowners looking to tap equity with a flexible payment option starting as low as 1% of their balance
- » Retirees or near-retirees who want access to funds while keeping monthly payments manageable
- » Families who need flexible access to cash for home improvements, medical costs, or debt payoff
- » Anyone seeking an alternative to a reverse mortgage that still allows them to make required payments
*These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.*
Making the minimum payment does not cover the entirety of your interest charges, and additional interest will be added to the balance of your loan, resulting in a balloon payment that will be due at the end of the loan term.
Why Choose Cliff Mortgages for Equity Select
This specialized product requires expert guidance. We provide clear, unbiased guidance to help you determine whether Equity Select is the right fit for your long-term financial goals.
Unbiased Equity Advice
Compare Equity Select with traditional HELOCs and Reverse Mortgages to understand the pros and cons of each option.
Access to Specialized Lenders
Not all lenders offer programs like Equity Select. Our broker relationships ensure access and competitive terms.
Clear, Simple Explanations
We break down complex concepts so you understand how required payments and credit line features work.
Find Your Perfect Equity Solution
Equity Select bridges the gap between traditional HELOCs and Reverse Mortgages — helping you choose the right solution for your long-term financial needs.
HELOC
- Best for: Short-term projects, flexible access.
- Payment: Often interest-only; can be variable.
- Key Feature: Revolving credit for a set “draw” period.
Equity Select
- Best for: Long-term planning with manageable payments.
- Payment: Required, low monthly payments (as low as 1%).
- Key Feature: A flexible, long-term financial tool.
Reverse Mortgage
- Best for: Seniors (62+) wanting to eliminate payments.
- Payment: No monthly mortgage payments required.
- Key Feature: Access equity without payment burden.
How It Works
A Clear Path from Application to Closing
Get Approved
Open a credit line secured by your home.
Your In Control
Draw funds when needed — for projects, expenses, or opportunities.
Easy Payments
Make required monthly payments (as low as 1%) and pay more anytime to reduce balance.
Ready to Get Started?
Find out if a Equity Select Loan in Colorado is right for you. Get a no-obligation quote from our experts today.
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