How It Works

If you’re like most Americans, you probably earn more income in just 5 to 10years than you owe on a mortgage. That volume of money far outweighs yourhousing debt. Why not put it to work to reduce your mortgage interest expense?

Because the All In One Loan comes with integrated banking, the flow of your income dollars and idle savings are ‘swept’ to the HELOC automatically and used to lower your loan’s daily balance. Monthly interest recomputes nightly based on your loan’s unpaid principal balance. Deposited cash left in the HELOC compounds interest savings and accelerates home pay-off.

Borrowers can save tens, if not hundreds of thousands of dollars in mortgage interest and own their home in half the time or less compared to a traditional loan. The best part is, funds that are deposited and used to pay down principal,
as well as equity dollars, remain available for use without needing to refinance over thirty years.

Key Features of the All-In-One Loan

Combined Loan and Banking Functionality

A mortgage and a transactional checking account. Deposits into the account are automatically applied to the principal balance, reducing the amount of interest owed.

Daily Interest Calculation

Interest is calculated daily on the remaining balance, meaning any deposits (like paychecks or savings) immediately reduce the loan balance and save interest.

Flexible Access
to Funds

Borrowers can access their funds at any time, just like a traditional HELOC, for bills, expenses, or other needs, using checks, debit cards, or online transfers.

No Fixed Monthly Payment

Unlike traditional mortgages, there is no fixed monthly payment schedule. Instead, borrowers pay based on their outstanding balance, offering greater flexibility.

  • Deposits Reduce the Principal: When you deposit money (e.g., your paycheck) into the All-In-One account, it goes directly toward reducing the loan balance.
  • Interest Savings: Since the loan’s interest is calculated on the reduced balance, you save on interest costs before spending the money.
  • Withdrawals Are Easy: Funds can be accessed for everyday expenses or major purchases, and the balance adjusts accordingly.
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