A standalone HELOC sits behind your first mortgage. A Wealth Builder replaces the first mortgage entirely with a revolving structure — one lien, one integrated account.
Side-by-side comparison
HELOC: second lien behind your existing mortgage; two payments/accounts
Wealth Builder: replaces first mortgage; one integrated account
HELOC: good for occasional equity access while keeping a low-rate first mortgage
Wealth Builder: better when you want maximum cash-flow integration and principal acceleration
HELOC: draw period then repayment period; terms vary by lender
Wealth Builder: revolving structure designed for ongoing deposit-and-draw patterns
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