Here's how it works:

Bank your money in your mortgage. You direct-deposit your paycheck into your mortgage, instead of your checking account - immediately reducing your principal balance. You start saving interest immediately compared to traditional loans because interest is based on your lower daily balance!

Access your funds as you currently do. You pay all of your expenses just like you would with a traditional bank account - using the unlimited checks, free ATM/Debit card, and free online bill-pay. Your money remains in your mortgage in the form of a lower principal balance - until you need it - saving you 5-6% in mortgage interest, instead of earning less than 1% in a bank account. Less interest expense means that more of your take-home pay works for you to pay off your mortgage sooner. All this with no change to spending habits!

A quick example:

Current Financial Status
	Net pay		$100,000
	Savings		15% of net after expenses
	Mortgage		$400,000 30 Year Fixed
	Rate		5.5%

Assume the interest rate environment is rising and the new rate on the HOA is at an APR of 8.19%.

Results:

Saves interest, pays off sooner.... 

With the Home Ownership Accelerator you can pay off your mortgage in 17.3 years saving nearly $89,000 (21%) in interest over the 30-year fixed rate loan at 5.5%.

That means the equivalent rate on a 30-year mortgage would have to be 4.4% to achieve the same results!

It's that powerful! But it's not for everyone. And a strategy of paying down your mortgage is not always the best strategy. Everyone has different needs, so before you do anything let us know and we help you assess if it makes financial sense.

Using the Home Ownership Accelerator as a tool to create wealth is where we can help. Whether you're a new homeowner, or planning for retirement and looking for a reverse mortgage, or are planning for your child's college education, or an investor with multiple properties, or self-employed with great cash flow or even working capital needs, we can show you how to use this loan to create wealth.

Attend our Workshops and we'll likely answer a lot of your questions. If you can't wait until the next Workshop, give us a call today and we'll show the power of the HOA.

Specifications:

Loan type: Adjustable rate line of credit, based on 1-month LIBOR index.
Adjustment period: monthly
Term: 30 years
Lifetime cap: 5% over start rate
Minimum credit line: $100,000
Maximum credit line: $1,000,000
Minimum down payment: as low as 10%
Minimum credit scores : 680 (excellent credit)
Withdrawals: ATM/Visa P.O.S. card with 8 surcharge-free ATM transactions per month at any ATM, checks, bill-pay, ACH, EFT.
Payments: Direct payroll deposit (required), EFT, ACH,Bank by mail.
Statements: Monthly. Online account access.