{"id":287,"date":"2025-11-05T06:06:53","date_gmt":"2025-11-05T06:06:53","guid":{"rendered":"https:\/\/local.americansenior.com\/david-brown\/?page_id=287"},"modified":"2026-01-22T09:39:03","modified_gmt":"2026-01-22T09:39:03","slug":"equityselect","status":"publish","type":"page","link":"https:\/\/local.americansenior.com\/david-brown\/equityselect\/","title":{"rendered":"EquitySelect"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"287\" class=\"elementor elementor-287\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cdfdf09 e-flex e-con-boxed e-con e-parent\" data-id=\"1cdfdf09\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-508dd71e e-con-full e-flex e-con e-child\" data-id=\"508dd71e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-553fa137 elementor-widget elementor-widget-heading\" data-id=\"553fa137\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">See if You Can Unlock the Power of Your Home\u2019s Equity Today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1b553 elementor-widget elementor-widget-heading\" data-id=\"ab1b553\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Discover Financial Flexibility with <span class=\"es-highlighted\">EquitySelect<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1df76b elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f1df76b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Access your home\u2019s equity, if you qualify, with customizable payment options that suit your lifestyle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67d5a1f9 e-flex e-con-boxed e-con e-child\" data-id=\"67d5a1f9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f737aec elementor-widget elementor-widget-button\" data-id=\"2f737aec\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#about\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-594eff58 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"594eff58\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"257\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-1024x257.png\" class=\"attachment-large size-large wp-image-294\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-1024x257.png 1024w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-300x75.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-768x192.png 768w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz.png 1273w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52a2bdb9 e-con-full e-flex e-con e-child\" data-id=\"52a2bdb9\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e475737 e-flex e-con-boxed e-con e-parent\" data-id=\"6e475737\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cfb4f2f e-con-full e-flex e-con e-child\" data-id=\"3cfb4f2f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41c6edd8 elementor-widget elementor-widget-image\" data-id=\"41c6edd8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/heloc.png\" class=\"attachment-large size-large wp-image-295\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/heloc.png 1024w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/heloc-300x300.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/heloc-150x150.png 150w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/heloc-768x768.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a9bcbf0 e-con-full e-flex e-con e-child\" data-id=\"2a9bcbf0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b7a67 elementor-widget elementor-widget-heading\" data-id=\"d3b7a67\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Access More Funds. Keep Payments Low. Do More With Your Home Equity. <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7afcae43 e-con-full e-flex e-con e-child\" data-id=\"7afcae43\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14af816c e-con-full e-flex e-con e-child\" data-id=\"14af816c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43c8e214 elementor-widget elementor-widget-heading\" data-id=\"43c8e214\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Traditional<br> Bank HELOC<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ec77a6 elementor-widget elementor-widget-heading\" data-id=\"44ec77a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Qualified for <span style=\"font-weight: 600\">$33,000<\/span><br>\nPayment: <span style=\"font-weight: 600\">$260<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eddff57 e-con-full e-flex e-con e-child\" data-id=\"5eddff57\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316c54df elementor-widget elementor-widget-image\" data-id=\"316c54df\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"257\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-1024x257.png\" class=\"attachment-large size-large wp-image-294\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-1024x257.png 1024w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-300x75.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz-768x192.png 768w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2026\/01\/ASL-EquitySelectLoan-White-Horiz.png 1273w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55df00d3 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"55df00d3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Qualified for <span style=\"font-weight: 600\">$200,000<\/span><br>\nCapped Monthly <br>Payment of: <span style=\"font-weight: 600\">$260<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e5f7734 elementor-widget elementor-widget-text-editor\" data-id=\"4e5f7734\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The above scenario is based on the following:<\/p><p>Age: 74 | Current home value: $950,000 | Current mortgage balance: $250,000\u2028<br \/>Current total mortgage payment: $1,979 | Monthly income: $4,500<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e178bb3 e-flex e-con-boxed e-con e-parent\" data-id=\"5e178bb3\" data-element_type=\"container\" id=\"about\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6e628881 e-con-full e-flex e-con e-child\" data-id=\"6e628881\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b1f5324 e-con-full e-flex e-con e-child\" data-id=\"1b1f5324\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea997df elementor-widget elementor-widget-heading\" data-id=\"4ea997df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Flexible Tailored Solutions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f67102d elementor-widget elementor-widget-heading\" data-id=\"2f67102d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Choose the <span style=\"font-weight: 800\"> EquitySelect loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-459cc1c9 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"459cc1c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Equity Select may give you more control\u00a0<span data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">compared to a traditional HELOC<\/span>\u00a0and options for managing your retirement finances, with <strong>minimum monthly payments<\/strong> that adjust based on your balance while <strong>keeping your monthly mortgage payments manageable.<\/strong><\/p><ul><li><p data-renderer-start-pos=\"473\">EquitySelect can give you access to the funds you need with <strong data-renderer-mark=\"true\">monthly <\/strong>payment plan options that adjust to your loan balance <strong data-renderer-mark=\"true\">&#8211; <\/strong>with options designed to work for you.<\/p><\/li><li><p data-renderer-start-pos=\"639\">*Cap is determined at the time of your application and is based on the <strong data-renderer-mark=\"true\">monthly <\/strong>payment plan selected.<\/p><\/li><li><p data-renderer-start-pos=\"744\">40-Year Capped <strong data-renderer-mark=\"true\">Monthly <\/strong>Payment (again, you should disclose the balloon payment at the end here)<\/p><\/li><li><p data-renderer-start-pos=\"843\">5 <strong data-renderer-mark=\"true\">monthly<\/strong> payment options available.<\/p><\/li><\/ul><p>EquitySelect can give you access to the funds you need with payment plan options that adjust to your loan balance. Just a new smart way to borrow, with options designed to work for you.<\/p><p><span style=\"font-size: 16px; display: block; margin-top: 30px;\">*Cap is determined at the time of your application and is based on the payment plan selected.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb90002 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4eb90002\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><a href=\"#disclosure1\">Click here to see EquitySelect terms and disclosures<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d497e9 e-con-full e-flex e-con e-child\" data-id=\"6d497e9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element 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data-elementor-lightbox=\"{&quot;type&quot;:&quot;video&quot;,&quot;videoType&quot;:&quot;vimeo&quot;,&quot;url&quot;:&quot;https:\\\/\\\/player.vimeo.com\\\/video\\\/1043798896?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=0&amp;portrait=0&amp;byline=0&amp;h=86af97eff6#t=&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;modalOptions&quot;:{&quot;id&quot;:&quot;elementor-lightbox-43a08256&quot;,&quot;entranceAnimation&quot;:&quot;&quot;,&quot;entranceAnimation_tablet&quot;:&quot;&quot;,&quot;entranceAnimation_mobile&quot;:&quot;&quot;,&quot;videoAspectRatio&quot;:&quot;169&quot;}}\" 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https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3-300x200.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3-768x511.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ac72f4f elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"1ac72f4f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Purchase-a-new-home3.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6IjI5MCIsInVybCI6Imh0dHBzOlwvXC9sb2NhbC5hbWVyaWNhbnNlbmlvci5jb21cL2RhdmlkLWJyb3duXC93cC1jb250ZW50XC91cGxvYWRzXC9zaXRlc1wvMjBcLzIwMjVcLzExXC9QdXJjaGFzZS1hLW5ldy1ob21lMy5wbmcifQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"599\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3.png\" class=\"attachment-large size-large wp-image-290\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3.png 900w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3-300x200.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/Purchase-a-new-home3-768x511.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fe90f94 e-flex e-con-boxed e-con e-parent\" data-id=\"3fe90f94\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4e393926 e-con-full e-flex e-con e-child\" data-id=\"4e393926\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-293bae43 elementor-widget elementor-widget-image\" data-id=\"293bae43\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"950\" height=\"653\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/shutterstock_2291254261-v2-1.png\" class=\"attachment-large size-large wp-image-291\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/shutterstock_2291254261-v2-1.png 950w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/shutterstock_2291254261-v2-1-300x206.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/shutterstock_2291254261-v2-1-768x528.png 768w\" sizes=\"(max-width: 950px) 100vw, 950px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-543f1662 e-con-full e-flex e-con e-child\" data-id=\"543f1662\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27762597 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"27762597\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Long-Term Stability<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea375f2 elementor-widget elementor-widget-heading\" data-id=\"6ea375f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">40-Year Capped Payment and Non-Recourse Protection<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65644b49 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"65644b49\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#ffc400\">EquitySelect is built with a 40-year<\/span><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#006644\"> capped payment and non-recourse protection, borrowers can move forward knowing they have: <\/span><\/p><ul><li><strong>Capped monthly payments<\/strong> locked in for up to 40 years<\/li><li><strong>Designed to support long-term retirement planning<\/strong><\/li><li><strong>Non-recourse protection<\/strong> ensures you or your heirs never owe more than the home is worth<\/li><li><strong>Keeps monthly obligations<\/strong> <strong data-renderer-mark=\"true\"><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#ffc400\">manageable<\/span><\/strong>, even in a rising rate environment<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63d3e825 e-flex e-con-boxed e-con e-parent\" data-id=\"63d3e825\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66f18d0a e-con-full e-flex e-con e-child\" data-id=\"66f18d0a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-985bae4 e-con-full e-flex e-con e-child\" data-id=\"985bae4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3df6dc36 elementor-widget elementor-widget-heading\" data-id=\"3df6dc36\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choose the Payment Schedule That Works For You<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc1d0 elementor-widget elementor-widget-heading\" data-id=\"5fc1d0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Flexible Payment Options<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3647a935 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3647a935\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">EquitySelect gives you <\/span><strong data-renderer-mark=\"true\"><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">flexibility without compromise<\/span><\/strong><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">. Whether you\u2019re looking to ease cash flow or take a more aggressive <\/span><strong data-renderer-mark=\"true\"><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">paydown<\/span><\/strong><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">, EquitySelect gives you options (provided you pay the minimum amount due):<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a2b9dc e-con-full e-flex e-con e-child\" data-id=\"4a2b9dc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c6e65f elementor-widget elementor-widget-image\" data-id=\"9c6e65f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"950\" height=\"293\" src=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/footer-image-copia.png\" class=\"attachment-large size-large wp-image-292\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/footer-image-copia.png 950w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/footer-image-copia-300x93.png 300w, https:\/\/local.americansenior.com\/david-brown\/wp-content\/uploads\/sites\/20\/2025\/11\/footer-image-copia-768x237.png 768w\" sizes=\"(max-width: 950px) 100vw, 950px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60c9bf91 e-grid e-con-full e-con e-child\" data-id=\"60c9bf91\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58eb70a1 aboutus-container e-flex e-con-boxed e-con e-child\" data-id=\"58eb70a1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5df068 aboutus-icon elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4d5df068\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 24 24\"><path fill=\"none\" stroke=\"#000000\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M13 21H6a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h12a2 2 0 0 1 2 2v3m-4-7v4M8 3v4m-4 4h12.5m4.5 4h-2.5a1.5 1.5 0 0 0 0 3h1a1.5 1.5 0 0 1 0 3H17m2 0v1m0-8v1\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46835614 elementor-widget elementor-widget-heading\" data-id=\"46835614\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Monthly Mortgage Payments<\/b> <br \/>start at just 1% of the annual loan balance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67c2fbf1 aboutus-container e-flex e-con-boxed e-con e-child\" data-id=\"67c2fbf1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-459c7cc9 aboutus-icon elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"459c7cc9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 24 24\"><path fill=\"#000000\" d=\"M15.309 2a.75.75 0 0 1 .75.75v.169c.748.19 1.302.867 1.302 1.674a.75.75 0 0 1-1.5 0a.227.227 0 0 0-.227-.227h-.395a.483.483 0 0 0-.17.935l1.005.377a1.983 1.983 0 0 1-.015 3.72v.236a.75.75 0 0 1-1.5 0v-.17a1.73 1.73 0 0 1-1.303-1.673a.75.75 0 0 1 1.5 0c0 .125.102.226.227.226h.395a.483.483 0 0 0 .17-.934l-1.005-.377a1.983 1.983 0 0 1 .016-3.72V2.75a.75.75 0 0 1 .75-.75m4.118 9.084a1.578 1.578 0 0 1 2.226 2.212l-3.867 4.829a1.98 1.98 0 0 1-1.544.742h-6.174a.75.75 0 0 0-.503.194l-.525.474a.75.75 0 0 1-.34.877L6.124 21.9a.75.75 0 0 1-1.025-.275l-2.998-5.194a.75.75 0 0 1 .274-1.024l2.577-1.488a.75.75 0 0 1 .743-.004l1.693-1.352c.553-.443 1.253-.748 2.025-.751c.813-.004 2.099.068 3.262.493h2.598c.662 0 1.239.359 1.548.893zM8.559 17.948a2.25 2.25 0 0 1 1.51-.581h6.173a.48.48 0 0 0 .373-.18l3.867-4.828a.078.078 0 0 0-.11-.11l-3.852 3.124a1.78 1.78 0 0 1-1.247.507h-2.735a.75.75 0 0 1 0-1.5h2.735q.07 0 .13-.03l.024-.022l.073-.059a.288.288 0 0 0-.227-.465h-2.682q-.197-.001-.369-.068c-.926-.353-2.033-.428-2.802-.424c-.374.001-.755.15-1.096.422l-1.788 1.43l1.75 3.03zm-4.784-1.617l2.248 3.895l1.278-.738l-2.249-3.895z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b924bc4 elementor-widget elementor-widget-heading\" data-id=\"1b924bc4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>5 Payment Options <\/b><br>available<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dd9e54b aboutus-container e-flex e-con-boxed e-con e-child\" data-id=\"6dd9e54b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f5a9120 aboutus-icon elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1f5a9120\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 17h2l2-7.975V7H9v2h4zm1 5q-2.075 0-3.9-.788t-3.175-2.137T2.788 15.9T2 12t.788-3.9t2.137-3.175T8.1 2.788T12 2t3.9.788t3.175 2.137T21.213 8.1T22 12t-.788 3.9t-2.137 3.175t-3.175 2.138T12 22m0-2q3.35 0 5.675-2.325T20 12t-2.325-5.675T12 4T6.325 6.325T4 12t2.325 5.675T12 20m0-8\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5aa2fa elementor-widget elementor-widget-heading\" data-id=\"7e5aa2fa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>7 Year Draw <\/b><br>for added convenience<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ca6cb28 aboutus-container e-con-full e-flex e-con e-child\" data-id=\"4ca6cb28\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d9307e0 aboutus-icon elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3d9307e0\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 24 24\"><path fill=\"none\" stroke=\"#000000\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m15 11l-4 4l-2-2m-5 3.8v-5.348c0-.534 0-.801.065-1.05a2 2 0 0 1 .28-.617c.145-.213.346-.39.748-.741l4.801-4.202c.746-.652 1.119-.978 1.538-1.102c.37-.11.765-.11 1.135 0c.42.124.794.45 1.54 1.104l4.8 4.2c.403.352.603.528.748.74q.192.287.28.618c.065.249.065.516.065 1.05v5.352c0 1.118 0 1.677-.218 2.105a2 2 0 0 1-.875.873c-.427.218-.986.218-2.104.218H7.197c-1.118 0-1.678 0-2.105-.218a2 2 0 0 1-.874-.873C4 18.48 4 17.92 4 16.8\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-278ad2b0 elementor-widget elementor-widget-heading\" data-id=\"278ad2b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Pay More Whenever You Want <\/b>Without Penalties<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fd43782 e-flex e-con-boxed e-con e-parent\" data-id=\"1fd43782\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1e2c18a e-con-full e-flex e-con e-child\" data-id=\"1e2c18a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-478457a4 e-con-full e-flex e-con e-child\" data-id=\"478457a4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6175ffbc elementor-widget elementor-widget-heading\" data-id=\"6175ffbc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compare Your Options: <br>EquitySelect vs. Other Products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6385cfd3 e-con-full e-flex e-con e-child\" data-id=\"6385cfd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70447647 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"70447647\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>EquitySelect stacks up against FHA Reverse Mortgages and traditional HELOCs, offering a clear comparison of payments, terms, qualifications, and more.<br \/>See how <span style=\"color: #fff; font-weight: bold;\">EquitySelect stands out with its lower interest monthly mortgage payments, extended terms, and borrower-friendly features.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12129e3c e-con-full e-flex e-con e-child\" data-id=\"12129e3c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42e011f elementor-widget__width-inherit elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"42e011f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Scroll to the right to see &gt;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a56005c elementor-widget elementor-widget-html\" data-id=\"a56005c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  \/* Table container allows horizontal scroll on small screens *\/\r\n  .table-container {\r\n    width: 100%;\r\n    overflow-x: auto; \/* horizontal scroll if table is too wide *\/\r\n    -webkit-overflow-scrolling: touch; \/* smooth scrolling on iOS *\/\r\n    background-color: #f9f9f9; \r\n    padding: 0px;\r\n  }\r\n\r\n  table {\r\n    \/* This ensures columns respect fixed widths or min-widths *\/\r\n    table-layout: fixed;\r\n    width: 100%;\r\n    border-collapse: collapse;\r\n    font-family: 'IBM Plex Sans';\r\n  }\r\n\r\n  th, td {\r\n    border: 1px solid #ccc;\r\n    padding: 14px 16px;\r\n    text-align: left;\r\n    vertical-align: middle;\r\n\r\n    \/* Allow text to wrap onto multiple lines *\/\r\n    white-space: normal;\r\n    word-wrap: break-word; \r\n    \/* Alternatively: word-break: break-word; or overflow-wrap: break-word; *\/\r\n  }\r\n\r\n  \/* Example: fix the first column at 200px and the other columns at 250px each *\/\r\n  th.header-product,\r\n  td.header-product {\r\n    width: 200px; \r\n  }\r\n  .header-red, .header-navy {\r\n    width: 250px; \r\n  }\r\n\r\n  \/* Optional: if you want more precise control, you can use colgroup instead *\/\r\n\r\n  \/* Media Query Tweaks *\/\r\n  @media(max-width: 767px) {\r\n    \/* Remove or override any huge widths for mobile *\/\r\n    th, td {\r\n      width: auto; \r\n      \/* Let them shrink or grow; text will still wrap. *\/\r\n    }\r\n\r\n    .table-container {\r\n      overflow-x: scroll;\r\n      overflow-y: hidden;\r\n      padding-bottom: 20px;\r\n      \/* The gradient mask is optional *\/\r\n      mask-image: linear-gradient(to left, transparent 2%, #101c43 30%);\r\n      padding-right: 80px;\r\n      background-color: transparent;\r\n    }\r\n  }\r\n\r\n  \/* Header colors (red for EquitySelect, navy for Reverse Mortgage & HELOC) *\/\r\n  .header-red {\r\n    background-color: #CE2E31;\r\n    color: #ffffff;\r\n    font-weight: bold;\r\n  }\r\n  .header-navy {\r\n    background-color: #14345C;\r\n    color: #ffffff;\r\n    font-weight: bold;\r\n  }\r\n\r\n  \/* First (Product) column header is white with bold text *\/\r\n  .header-product {\r\n    background-color: #ffffff;\r\n    font-weight: bold;\r\n    color: #000000;\r\n  }\r\n\r\n  \/* Pink background for EquitySelect cells *\/\r\n  .pink-cell {\r\n    background-color: #FCECEC;\r\n  }\r\n\r\n  \/* White cells for the other columns *\/\r\n  .white-cell {\r\n    background-color: #ffffff;\r\n  }\r\n\r\n<\/style>\r\n\r\n<body>\r\n  <div class=\"table-container\">\r\n    <table>\r\n      <thead>\r\n        <tr>\r\n          <!-- Top row with product and brand headers -->\r\n          <th class=\"header-product\">Product<\/th>\r\n          <th class=\"header-red\" style=\"text-align: center;\">\r\n            <img decoding=\"async\" \r\n              src=\"https:\/\/equityselect.americansenior.com\/wp-content\/uploads\/2025\/10\/ES-logo-white-2.webp\"\r\n              alt=\"Equity Select Logo\" \r\n              style=\"max-width: 50%; height: auto;\" \r\n            \/>\r\n          <\/th>\r\n          <th class=\"header-navy\">FHA Reverse Mortgage LOC<\/th>\r\n          <th class=\"header-navy\">HELOC<\/th>\r\n        <\/tr>\r\n      <\/thead>\r\n      <tbody>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Minimum Monthly Payments<\/td>\r\n          <td class=\"pink-cell\">As low as an annual 1%<\/td>\r\n          <td class=\"white-cell\">Optional<\/td>\r\n          <td class=\"white-cell\">Interest Only the first 5-10 years (then principal and interest)<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Term<\/td>\r\n          <td class=\"pink-cell\">40 Years<\/td>\r\n          <td class=\"white-cell\">N\/A<\/td>\r\n          <td class=\"white-cell\">15-30 years<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Pre-payment Penalty<\/td>\r\n          <td class=\"pink-cell\">None<\/td>\r\n          <td class=\"white-cell\">None<\/td>\r\n          <td class=\"white-cell\">Pre-payment penalties can be charged in some cases - make sure to ask your lender<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Counseling<\/td>\r\n          <td class=\"pink-cell\">Online Video<\/td>\r\n          <td class=\"white-cell\">HUD-approved in-person or over the phone counseling required<\/td>\r\n          <td class=\"white-cell\">None<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Qualifications<\/td>\r\n          <td class=\"pink-cell\">First position loan and must be primary residence and have equity<\/td>\r\n          <td class=\"white-cell\">First position loan and must be a homeowner age 62+ and use the home as primary residence and have equity<\/td>\r\n          <td class=\"white-cell\">Second position loan and qualify based on credit score and income<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Credit Requirements<\/td>\r\n          <td class=\"pink-cell\">650<\/td>\r\n          <td class=\"white-cell\">Must prove ongoing expenses can be paid<\/td>\r\n          <td class=\"white-cell\">Based on lenders requirements<\/td>\r\n        <\/tr>\r\n        <tr>\r\n          <td class=\"white-cell header-product\">Annual Fees<\/td>\r\n          <td class=\"pink-cell\">None<\/td>\r\n          <td class=\"white-cell\">Ongoing FHA annual insurance<\/td>\r\n          <td class=\"white-cell\">Annual fee to keep the loan open<\/td>\r\n        <\/tr>\r\n      <\/tbody>\r\n    <\/table>\r\n  <\/div>\r\n<\/body>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d1b80fa elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5d1b80fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Interest Rate is based on Secured Overnight Financing Rate (SOFR) Index + Margin (APR). APR excludes loan fees, points and similar charges relating to opening, renewing, or continuing the account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43dd2a61 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"43dd2a61\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><span style=\"color: #ffffff;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"#disclosure\">Click here to see EquitySelect terms and disclosures<\/a><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-202eca31 e-flex e-con-boxed e-con e-parent\" data-id=\"202eca31\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-30823852 e-con-full e-flex e-con e-child\" data-id=\"30823852\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-162346 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"162346\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Quick and Transparent Process<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-150fab54 elementor-widget elementor-widget-heading\" data-id=\"150fab54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your <span style=\"font-weight: 800\">ES Timeline<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0b64e elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6dc0b64e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>EquitySelect offers the ease of flexibility with monthly payment options as low as 1% of your loan balance and a 40-year term that won\u2019t recast. With no prepayment penalties and a protected line of credit, you can access your home\u2019s equity on your terms.<\/p><p><a href=\"#disclosure\">Click here to see EquitySelect terms and disclosures<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e135285 e-con-full e-flex e-con e-child\" data-id=\"4e135285\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d2c164b elementor-widget elementor-widget-html\" data-id=\"1d2c164b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"timeline-container\" tabindex=\"0\" role=\"region\" aria-label=\"Timeline container\">\r\n  <div class=\"timeline\">\r\n    \r\n    <!-- Item 1 -->\r\n    <div class=\"container left\">\r\n      <div class=\"content\">\r\n        <h2>Application with a Product Explainer Video and Acknowledgement<\/h2>\r\n        <p>This is the starting point of your EquitySelect HELOC journey. You complete an application with details about your financial situation and property. You also watch a product explainer video to learn how the EquitySelect HELOC works, followed by signing an acknowledgment to confirm you have reviewed the terms.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Item 2 -->\r\n    <div class=\"container right\">\r\n      <div class=\"content\">\r\n        <h2>Appraisal and Title Ordered<\/h2>\r\n        <p>At this stage, a property appraisal is scheduled to determine the current market value of your home, ensuring it meets the requirements for the EquitySelect HELOC. Additionally, a title search is conducted to verify there are no liens or issues with your property ownership that could impact your loan.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Item 3 -->\r\n    <div class=\"container left\">\r\n      <div class=\"content\">\r\n        <h2>Submitted to Underwriting<\/h2>\r\n        <p>Your application and supporting documents are submitted to the underwriting team. They carefully review your financial information, property value, and other relevant factors to ensure you meet the eligibility criteria for the EquitySelect HELOC.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Item 4 -->\r\n    <div class=\"container right\">\r\n      <div class=\"content\">\r\n        <h2>Approved!<\/h2>\r\n        <p>Congratulations! Your EquitySelect HELOC application is approved. This means the lender confirms you meet the qualifications. You receive a formal approval notification outlining the terms of your loan. Please note that an approval is not guaranteed.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Item 5 -->\r\n    <div class=\"container left\">\r\n      <div class=\"content\">\r\n        <h2>Clear Outstanding Conditions<\/h2>\r\n        <p>Before moving to closing, you may need to provide additional documentation or address specific conditions required by the lender, such as proof of insurance or updated financial records. Once these are resolved, you are ready to move forward.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Item 6 -->\r\n    <div class=\"container right\">\r\n      <div class=\"content\">\r\n        <h2>Closing<\/h2>\r\n        <p>You meet with a notary or closing agent to sign the final loan documents and review all terms of your EquitySelect HELOC. This step finalizes the agreement between you and the lender, and any closing costs are outlined here.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n    \r\n    <!-- Item 7 -->\r\n    <div class=\"container left\">\r\n      <div class=\"content\">\r\n        <h2>Funding<\/h2>\r\n        <p>After closing, the EquitySelect HELOC funds become available to you. You can now access your line of credit and use it as needed for your planned expenses or projects.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n  .timeline-container {\r\n    max-height: 550px; \r\n    overflow-y: auto;\r\n    margin: 50px auto; \/* center it horizontally *\/\r\n    -webkit-mask-image: linear-gradient(to bottom, transparent 0%, black 2%, black 98%, transparent 100%);\r\n    mask-image: linear-gradient(to bottom, transparent 0%, black 5%, black 95%, transparent 100%);\r\n    scrollbar-width: 50px;            \/* makes scrollbar narrower *\/\r\n    scrollbar-color: #101C43 #f1f1f1;\r\n  }\r\n\r\n  \/* For Chrome, Edge, Safari using WebKit *\/\r\n  .timeline-container::-webkit-scrollbar {\r\n    width: 8px;                       \/* scrollbar width *\/\r\n  }\r\n\r\n  .timeline-container::-webkit-scrollbar-track {\r\n    background: #f1f1f1; \r\n    font-family: 'IBM Flex Sans';\/* track color *\/\r\n  }\r\n\r\n  .timeline-container::-webkit-scrollbar-thumb {\r\n    background-color: #101C43;        \/* thumb color *\/\r\n    border-radius: 4px;               \/* rounded corners *\/\r\n    border: 20px solid #f1f1f1;        \/* adds space around thumb *\/\r\n  }\r\n\r\n  .timeline {\r\n    position: relative;\r\n    max-width: 800px;\r\n    margin: 0 auto; \r\n    padding: 20px 0;\r\n  }\r\n\r\n  \/* The vertical line *\/\r\n  .timeline::after {\r\n    content: '';\r\n    position: absolute;\r\n    width: 6px;\r\n    background-color: #101C4315;\r\n    top: 0;\r\n    bottom: 0;\r\n    left: 50%;\r\n    margin-left: -3px;\r\n  }\r\n\r\n  \/* Container for each timeline item *\/\r\n  .container {\r\n    padding: 10px 40px;\r\n    position: relative;\r\n    background-color: inherit;\r\n    width: 50%;\r\n    margin: 0;\r\n  }\r\n\r\n  \/* Place the container to the left or right of the timeline *\/\r\n  .left {\r\n    left: 0;\r\n  }\r\n  .right {\r\n    left: 50%;\r\n  }\r\n\r\n  \/* Replace the circles with the favicon image *\/\r\n  .container::after {\r\n    content: \"\";\r\n    position: absolute;\r\n    width: 35px;          \/* adjust as needed *\/\r\n    height: 35px;         \/* adjust as needed *\/\r\n    top: 15px;\r\n    right: -18px;         \/* positions the image to the left of the line for .left containers *\/\r\n    background: url('https:\/\/equityselect.americansenior.com\/wp-content\/uploads\/2025\/01\/favicon-white.webp') \r\n                no-repeat center \/ contain;\r\n    z-index: 1;\r\n    background-color: #c8454d;\r\n    border-radius: 50px;\r\n    padding: 15px;\r\n    background-size: 60%;\r\n    background-position: 50% 45%;\r\n    box-shadow: 0 0 10px #00000020;\r\n  }\r\n  .right::after {\r\n    left: -18px;          \/* positions the image to the right of the line for .right containers *\/\r\n    right: auto;\r\n  }\r\n\r\n  \/* The \"card\" or box content *\/\r\n  .content {\r\n    padding: 5px 15px;\r\n    background-color: #fff;\r\n    position: relative;\r\n    border-radius: 6px;\r\n    box-shadow: 0 5px 10px rgba(0,0,0,0.15);\r\n  }\r\n\r\n  \/* Responsive adjustments for smaller screens *\/\r\n  @media screen and (max-width: 600px) {\r\n    .timeline::after {\r\n      left: 31px;\r\n    }\r\n    .container {\r\n      width: 100%;\r\n      padding-left: 70px;\r\n      padding-right: 25px;\r\n      margin: 0;\r\n    }\r\n    .container::after {\r\n      left: 15px;\r\n      right: auto;\r\n    }\r\n    .left, .right {\r\n      left: 0%;\r\n    }\r\n    .right::after {\r\n      left: 15px;\r\n    }\r\n  }\r\n\r\n  .timeline h2 {\r\n    font-size: 18px;\r\n    font-weight: 800;\r\n    line-height: 26px;\r\n  }\r\n  .timeline p {\r\n    font-size: 16px;\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15df27ba e-flex e-con-boxed e-con e-parent\" data-id=\"15df27ba\" data-element_type=\"container\" id=\"disclosure\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-319b8ae8 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"319b8ae8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEquitySelect is a home equity line of credit (HELOC) mortgage loan. Monthly payments may not cover all accrued interest, and unpaid interest is added to the balance, resulting in a balloon payment at the end of the term or upon payoff. There is a required minimum initial draw of $75,000 or 50% of the credit line for 1st-liens (80% for 2nd-liens), whichever is greater. The draw period lasts seven years for 1st liens (five years for 2nd liens) and no additional draws can be made after that. Interest Rate is based on Secured Overnight Financing Rate (SOFR) Index + Margin (APR). APR excludes loan fees, points and similar charges relating to opening, renewing, or continuing the account.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fcb286 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"31fcb286\" data-element_type=\"widget\" id=\"disclosure1\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 16px; display: block; margin-top: 30px;\">*<em data-renderer-mark=\"true\">The example provided is a 75-year-old with a home value of $800k and borrowing $275k. The initial minimum monthly payment may be as low as $231 with a capped required monthly payment of $405 over 40 years. These monthly payments do not include taxes and insurance, which will need to be paid separately by the borrower. In this example, if the borrower only makes the minimum payment for the full duration of the loan, the balloon payment would be $2,609,630 at the end of 40 years. This was determined by using a 3% home price appreciation over 40 years. We cannot guarantee appreciation will be 3%; this is an assumption based on the actual long-term historical U.S. home price appreciation average of over 4% between 1992 and 2025. EquitySelect is a non-recourse loan, meaning the homeowner will never owe more than the home is worth. However, the home may still be foreclosed upon if loan obligations are not met. The APR in the example above is 9.8% as of June 5, 2025.<\/em><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>See if You Can Unlock the Power of Your Home\u2019s Equity Today Discover Financial Flexibility with EquitySelect Access your home\u2019s equity, if you qualify, with customizable payment options that suit your lifestyle. Learn More Access More Funds. Keep Payments Low. Do More With Your Home Equity. Traditional Bank HELOC Qualified for $33,000 Payment: $260 Qualified &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/local.americansenior.com\/david-brown\/equityselect\/\"> <span class=\"screen-reader-text\">EquitySelect<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","footnotes":""},"class_list":["post-287","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages\/287","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/comments?post=287"}],"version-history":[{"count":0,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages\/287\/revisions"}],"wp:attachment":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/media?parent=287"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}