Do you want to save hundreds of thousands in mortgage interest??

Do you want to payoff your home decades faster?

Do you want peace of mind with your equity available during hard times of job loss

or unexpected bills or opportunities (Investment or travel)

Meet Your Best Friend Financial Tool That Will Help You Payoff Your Mortgage in 7-10 Years While Living the Same Lifestyle

The All In One FIRST LIEN HELOC

See Real World Examples Below

Our Simple Interest All In One HELOC slashes decades off your payoff timeline while at the same time keeping you liquid with your equity at any given time should you need. Weather for opportunity or a hard time or unexpected major expense.

Which Type Of Person Are You?

Take decades off your Home PAYOFF with our Non Amortization

All In One Heloc!

Discover what our clients know. What the banks do NOT want you to KNOW. The First Lien HELOC that works through paying SIMPLE INTEREST!

All In One Qualifications

Here Are The 4 Main Requirements to Qualify For the All In One First Lien HELOC

  • Purchase Requires 10% Downpayment / Refinance Requires 20% Equity (Based on Appraisal to Loan Amount)

  • Minimum FICO Score of 700

  • Debt to Income Ration of 43% (Total Revolving Debt divided by Gross Income Monthly)

  • Reserve Requirement of 10% for Debt to Income Ratios below 40% and 15% for Debt to Income Ratios 40-43% (Liquid Accounts like cash, 401k, investment accounts)

“The shortest path to wealth is the path that has no debt. Every dollar you send to the bank in interest is a dollar that could have been building your future. Paying off your home early isn't just a financial move, it's the ultimate grab for freedom” — Dave Ramsey

Brick house with a field and trees

Flexible Home Purchase

With The All In One HELOC

The All In One Loan Can Be For Purchase OR Refinance. We Are Helping Primary Homeowners, Second Homeowners, Investment Homes, and Construction Scenarios. Our All In One Product has you Covered No Matter the Situation

Brick house with a field and trees
A large suburban house with a green lawn.
A large suburban house with a green lawn.

Refinancing Options

Optimize your loan terms with our refinancing options to lower monthly payments or shorten your mortgage duration, tailored to fit your changing financial needs.

Read More
bottom view photography of curtain wall building

1099 Worker Who Makes Money But Writes Off A Lot For Taxes

(Bank Statements All In One For You)

Do you make money as an independent contractor or business owner? We have the solution with our Bank Statement All In One Product.

Your Income is your credit!!!!

bottom view photography of curtain wall building

Two Brothers

A Tale of Two Mortgages

Example of Two Scottsdale Brothers identical in every financial way. One stayed in their 30 year fixed rate and the other chose to refinance into the All In One. Watch to learn how their lives changed because of one simple decision

Testimonials

Jasmine Richards

Really smooth process getting my first home with Epiq Lending's FHA loans. Their team was super helpful, making it way easier than I expected!

Monica Chandler

Explored various lenders before settling on Epiq. Their FHA loans and refinancing options truly stood out—straightforward, with terms better than expected. Highly recommend checking them out.

Thomas Krazinski

Used Epiq's VA loans—straightforward process, zero down. Smooth sailing from start to finish. Calm way to handle big decisions.

FAQs

Got Questions? We've got clear, straightforward answers for your mortgage concerns.

What documents do I need to apply for the All In One?

Youll need proof of income, tax returns, credit history, and identification documents.

How do I know if the All In One is right for me?

Our mortgage specialists will assess your financial situation and goals to recommend the best mortgage type.

How can I find out how fast I can be mortgage free ? And how much I will save with the All In One?

Simply call or schedule a 15 minute free consultation and you will learn exactly how powerful the All In One is and how fast your mortgage is paid

What are the benefits of the All In One loan?

Benefits include lowering your monthly payments, cutting interest rates, and altering your mortgage term.

Are there any upfront fees with the All In One?

VA loans do not require a down payment, but there is a VA funding fee which can be financed along with the loan amount.

How long does the loan application process take?

The process can vary from a couple of weeks to a month.