The All in One Loan!
The All In One loan-is a principal forward mortgage that integrates your Mortgage, HELOC and Sweeping banking all in one! On a traditional 30-year mortgage, you'll spend the first 11-15 years paying more in interest than reducing principal balance. That's just the way amortization schedules work.
The All In One Loan has no amortization schedule. Which means interest is calculated differently than traditional mortgages. The principal amount is reduced with 100% of every deposit, before mortgage interest is calculated, so you save on mortgage interest costs! Structurally speaking, rate matters least.
People are looking for ways to save more money so that they can more easily afford other financial needs beyond their home. This is why the All In One, a hybrid of the off-set and all-in-one mortgage, was developed.
Let's get the conversation started. You should invite your financial advisor or CPA, they'll want to hear about this too!