For busy working Los Angeles homeowners
Put your home equity to work on high-interest credit-card debt. Get a fresh start—and the tools to help it last.
Subject to approval. Your home secures the HELOC.
Your equity. Your options. Your next chapter.
START WITH THE NUMBERS
Use your own numbers to compare your current card payments with an illustrative fixed-rate HELOC.
Enter the totals across all your credit cards.
The example payment uses monthly interest plus 1% of the balance. Replace it with your actual combined monthly payment.
Include other existing property liens in the mortgage balance.
Editable illustrative rate—not a personalized quote. Term and fee changes do not automatically change the rate.
Estimated monthly payment reduction
—Payment difference is not interest savings or debt forgiveness.
An illustration first. Actual options after review.
The card payment is the total you entered, not a calculated issuer minimum. The prefilled example uses monthly interest plus 1% of the balance. No credit-card payoff time or lifetime interest is estimated.
Illustration only—not a quote, approval, or commitment to lend. Actual rates, APRs, fees, and eligibility vary. Fee calculation: card debt × fee percentage, rounded to cents, added to the debt plus other entered costs. Your lender’s fee basis may differ. HELOC APR excludes opening fees; financed fees are included in payments. Actual applicable fees are not established by this tool.
Assumes a fixed rate, fully amortizing monthly payments, timely repayment, and no additional borrowing. Totals use unrounded payments. Lower payments may increase total costs. Your home secures the HELOC; failure to repay can result in foreclosure. This payment is additional to your mortgage, taxes, and insurance. Property insurance is required; flood insurance may be required. CLTV is an estimate, not an eligibility determination.
This is a payment illustration, not a loan quote or approval. A lower payment does not necessarily mean a lower total cost.
YOU WORK HARD FOR YOUR MONEY
You’re checking balances when you should be sleeping. Doing the math again. Wondering how much longer you can keep making these payments without getting ahead.
And the hardest part? You feel like you should have this handled by now.
You want the anxiety to stop. The shame to lift. And your hard work to mean more than surviving until the next paycheck.
YOUR HOME EQUITY ADVANTAGE
Eligible financing to restructure expensive debt, paired with practical tools for what comes next.
THE FINANCING
powered by NEXA Lending
A home equity line of credit to consolidate eligible high-interest balances while keeping your existing first mortgage in place.
Your home secures repayment. Fees and repayment length affect total costs.
THE FINANCIAL FOLLOW-THROUGH
Don’t let your fresh start become another debt cycle. Seven practical components you put into action yourself.
Create rules for card use, activate alerts, and remove stored cards.
Organize checking and savings around your needs.
Give your income a purpose before you spend it.
Schedule bills and transfers around payday.
Build a cushion for expenses you didn’t see coming.
Know what you can spend after covering your obligations.
Education on diversified, low-cost funds and getting started.
A CLEAR PATH FOR YOUR FIRST MONTH
Credit-card reload prevention and banking.
Conscious spending, emergency savings, and guilt-free spending.
Schedule bills and transfers around payday.
Investing education, setup review, and adjustments.
LIMITED LAUNCH ENROLLMENT
Enroll by November 8, 2026 for a private, live 60-minute setup session walking you through your 30-Day Personal Finance Reset.
First five homeownersWalk through the seven components, get answers to your implementation questions, and leave knowing your next steps.
Complete the required steps and attend your walkthrough. If you’re still unable to implement within 30 days, Alex will include another private 60-minute session to help you finish, at no additional cost.
Covers setup assistance—not loan approval, payment reductions, investment results, or prevention of future debt.
GET STARTED
Review preliminary eligibility and compare payments, costs, and risks.
Complete your application. If approved, review your actual terms before accepting.
Use your funds to consolidate selected debts, then follow your 30-Day Personal Finance Reset.
IMAGINE YOUR NEXT PAYDAY
Your bills are covered. Money is moving into savings. You know what’s available to spend.
Dinner out doesn’t come with guilt. An unexpected expense doesn’t automatically go on a card. And bedtime isn’t another round of calculating balances.
Less of your paycheck going toward yesterday.
More of it available for the life you’re working for.
KNOW WHAT YOU’RE TAKING ON
The benefits matter.
So do the tradeoffs.
No. It restructures eligible debts. You still owe the new HELOC balance, including applicable financed costs.
Yes. You’re replacing eligible unsecured debt with debt secured by your home. Failure to repay the HELOC can lead to foreclosure.
Not necessarily. Extending repayment can lower the monthly payment while increasing total interest. Compare both payments and total costs using your actual eligible terms.
A separate HELOC can leave your existing first mortgage and its rate in place. You’ll have an additional payment with its own terms.
Borrowing against your home reduces your available equity and increases the debt secured by your property. Paying down the principal rebuilds equity, assuming your property value and other mortgage balances remain unchanged.
For the fixed-rate HELOC described here, the initial draw has a fixed interest rate. Additional draws may have different rates and increase your total payment. Review your agreement for the specific terms.
An origination fee and other applicable opening costs may apply. Financing those costs increases your balance and the interest you pay. Review the complete fee disclosure before accepting.
Paying off selected credit-card balances with the HELOC can replace those payments with a single HELOC payment. Your existing mortgage and any debts you don’t consolidate remain separate.
You could end up owing both new credit-card balances and the HELOC. Consolidation doesn’t fix spending or cash-flow habits; your 30-Day Personal Finance Reset helps you establish practices to avoid rebuilding card debt.
Review your actual eligible options, fees, proceeds, and repayment structure. Your decision resources include a payment comparison and a comparison of keeping current debts, using a HELOC, or using unsecured consolidation.
LET’S EXPLORE YOUR OPTIONS
Complete the steps to submit your HELOC information for review.
This form does not itself initiate a credit pull. Financing is subject to lender review and approval.
Prefer to talk first? Book a free consultation
We’re analyzing your information and will contact you shortly with your HELOC options.
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Book My Free Consultation →YOUR NEXT MOVE
See whether your equity and eligible financing terms could make your monthly debt payments more manageable.
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