Control Your
Home Loan Experience
Create a new payoff date when you combine your checking account with your mortgage.
The Smater Way To Borrow®
The All-In-One Loan is a financial product that combines a home equity line of credit (HELOC) with a checking account, allowing borrowers to manage their mortgage, savings, and day-to-day banking within a single account. This type of loan is designed to provide flexibility, accelerate mortgage payoff, and reduce the overall interest paid on the loan by leveraging the borrower’s income and cash flow.
For example:
If your loan balance is $500,000 and you deposit $15,000 from your paycheck, your new balance becomes $485,000. Interest accrues only on $485,000 until you withdraw funds.
Don’t Pay Cash
For high-achieving individuals like you—business owners, entrepreneurs, and professionals—your mortgage should work for you, not against you. Yet, the traditional 30-year fixed mortgage comes with hidden costs and challenges that may be limiting your financial potential like:
- Kids college education cost.
- Paying excessive interest over time.
- Making mortgage payments at the age of 70?
Justin Borvansky
Loan Officer – NMLS #640487
For the past 2.5 years, I have been a Mortgage Broker and Business Development Officer at Edge Home Finance. a company that offers all types of home and commercial loan products to suit every situation. I have access to conventional, VA, FHA, Jumbo, reverse mortgage, DSCR-investment property, bank statement, renovation, and no income required loans, as well as commercial lending for various property types, land and construction, and SBA loans.
I have also earned multiple Five Star Mortgage Professional awards for my customer satisfaction and referral rates.
Why Choose the All-In-One Loan?
Save Thousands in Interest Cost
The All-in-One Loan saves tens of thousands of dollars in interest, giving you more financial freedom to grow your wealth.
A Smarter Way To Plan For College Cost
You can efficiently manage cash flow, leading to savings for college expenses and ensuring funds are available when needed.
Eliminate Mortgage Payment Before Retirement
Combine your mortgage and income, makes faster payments and potentially eliminating your mortgage debt before retirement.
How Does This Work?
The loan approval process usually take 30 days to complete.
Step 1
- Get Pre-Qualified for an All-in-One Loan Approval.
Step 2
- Submit documents. Get Approved.
Step 3
- Deposit income into HELOC checking account.
“We prefer the new way”
We are making more than we’re spending and that is just driving the debt down. We ended up with our dream home that we’ve renovated, plus a second beach home, all because of the All In One.
Customer
— Dean Anderson
FAQ’s
What is ALL-In-One Loan?
- The All In One Loan™ is a privately secured residential home mortgage product.
- Developed by CMG Financial | CMG Home Loans (NMLS# 1820) in June of 2005.
What type of properties can I purchase using the All-In-One Loan?
- Single-family residences (SFR), condo’s and 2-4 multi-family
- Home purchases and mortgage refinances (rate-term and cash-out)
- Primary residences, second homes and investment properties
- $3 million maximum loan amount allowance
Get THe Best HELOC RATE
Ready To Start?
No other mortgage product does more to lower costs and maximize the benefits of homeownership.