What Is It?It is a 30-year HELOC with an integrated sweep-checking account. In other words, it combines your home financing and personal banking needs into one dynamic tool.
The Interactive Comparison Simulator calculates potential All In One Loan savings benefits compared to a traditional forward-amortized closed-ended mortgage. Enter details about the loan you currently have or are considering getting, as well as your regular deposit and spending activity to see if this is right for you. Please consult your All In One Loan Certified Mortgage professional or contact us directly with any questions.
If you're like most Americans, you probably earn more in just 5 years than you owe on your mortgage. But cash is a depreciating asset, and despite low interest rates, mortgages cost copious amounts of interest, not to mention, delay progress with building home equity. The All In One Loan is a solution to both obstacles because it combines the two into one fluid financial instrument.
As the nation's only 30-year draw home equity line of credit (HELOC) with an integrated sweep checking account, it puts your income to work to lower daily mortgage principal and monthly interest costs.
All deposits are applied directly to loan principal which automatically lowers each day's interest cost and the monthly interest payment amount.
Your money is kept securely available 24/7 for regular spending needs. ATM cards, checks, online and mobile banking all come standard with each loan.
Your cash hard-at-work saving you interest at the rate of the loan itself means paying off years in advance of a traditional mortgage and living more securely.
FUND OTHER FINANCIAL GOALS
Saving mortgage interest helps borrowers fund other financial goals more easily, like retirement security
POWERFUL FOR INVESTING IN REAL ESTATE
Generate greater cash-flow in rental properties and fund other purchases just by writing a check
24/7 ACCESS TO EQUITY
Works like a checking account, allowing you to utilize ATM-Visa, Checks, Bill Pay, and Mobile banking