All In One Loan™
The All In One Loan is a great tool for qualified borrowers to help pay off their mortgage faster. Because of how it works, it’s rate tolerant and can save thousands in interest. Learn more about this product by watching the video here, running the simulator and reaching out to get more information.
All In One Loan™ Calculator
Calculate your potential savings with the All in One Loan First Lien HELOC calculator.
The All In One Loan was a game changer for us. I admit that my first reaction to the concept was one of confusion. Checking account, mortgage, home equity loan all rolled into one. I quickly learned that this loan provided us with incredible flexibility when it came to paying bills, planning future expenses, and paying off the loan. And it was rewarding to watch the balance go down so quickly. I highly recommend it!!
We are paying off our mortgage faster than ever. It also helped because we got hit with an unexpected repair bill of $38,000 and we were able to use our equity to cover it.
I love the freedom & flexibility that the All-in-one Loan offers me and my family. Finally, I can prepay my mortgage and achieve my target debt freedom date sooner without losing liquidity and flexibility with my budget or cash flow. This is the perfect loan for me, and I am grateful that I found it.
FAQ’s
The terms of the Home Equity Line of Credit (HELOC), specifically the All In One Loan, are as follows:
The loan lasts for a total of 30 years and includes a unique feature – an integrated sweep-checking account. The credit limit is meticulously determined during the underwriting process, taking into account your specific financial profile.
During the first 10 years, the credit limit remains fixed, offering financial stability. Following this, over the next 20 years, the limit reduces gradually each month by 1/240th until it finally reaches zero. This structured decrease provides a clear path toward complete repayment of the loan.
Your monthly payment is entirely in your hands with the All In One Loan! Without the constraints of a traditional amortized payment schedule, you are free to manage your loan repayment in a way that suits your financial lifestyle. In fact, many of our All In One Loan clients astoundingly reduce more than 10% of their principal balance each year and achieve full payoff in half the time, or even less, compared to a standard mortgage.