No other mortgage product does more to lower costs and maximize the benefits of homeownership.


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.

If you’re like most Americans, you probably earn more income in just 5 to 10 years than you owe on a mortgage. That volume of money far outweighs your housing debt. Why not put it to work to reduce your mortgage interest expense?

Because the All In One Loan™ comes with integrated banking, the flow of your income dollars and idle savings are ‘swept’ to the HELOC automatically and used to lower your loan’s daily balance. Monthly interest recomputes nightly based on your loan’s unpaid principal balance. Deposited cash left in the HELOC compounds interest savings and accelerates home pay-off.

Borrowers can save tens, if not hundreds of thousands of dollars in mortgage interest and own their home in half the time or less compared to a traditional loan. The best part is, funds that are deposited and used to pay down principal, as well as equity dollars, remain available for use without needing to refinance over thirty years.