Your home should build your wealth. Not the bank's.

The All In One Loan^® is a first lien position, 30-year term, open-ended mortgage security, or line of credit, with an integrated zero-balance sweep-checking account. In other words, it's a combination home loan and checking account, merging home financing and personal banking into one easy to use financial tool.

This unique program optimizes income by generating a relationship between dollars earned and dollars owed to lower the cost of financing efficiently and aggressively, with less dependency on interest rates. It eliminates the principal balance faster, lowers payments monthly and keeps money available for use without refinancing.

Where conventional mortgage products are structured with more focus on helping borrowers get into mortgage debt, the All In One Loan^® was engineered to help borrowers achieve transformational outcomes, like investing in retirement security, funding emergencies or a child's college tuition cost, and mortgage freedom.

It can be used for new purchases and mortgage refinances, and applied to single family dwellings, condominiums, town-homes and 2-4 unit multi-family homes — whether occupied as a primary residence, second home or investment property. It can also finance the construction of a brand new primary residence or second home from the ground-up.

Deposits made into the integrated checking account lower loan principal automatically through a feature known as a sweep. That money remains securely available 24/7 for bills and expenses, the same way all other common checking accounts do. But prior to being spent, deposits are used to maintain a lower daily principal mortgage balance, which also lowers the monthly interest payments.

Interest is computed nightly and totaled once the month ends. Total daily interest from each month becomes the interest payment, which is drafted from the All In One Loan^® line of credit automatically on the 21st of each new month. Borrowers can draw from their All In One Loan^® for 30 years. The original credit limit (loan amount) reduces evenly each month by 1/240th starting on the 121st month — a structure that helps borrowers maintain superior liquidity and access to their home's stored wealth while enforcing a comfortable path to pay-down and payoff.

Texas Homestead Properties: for primary residences in Texas, the loan functions slightly differently to comply with state constitutional rules:

• Deposits remain in the linked checking account and do not sweep to the line of credit.
• Money not needed for near-term expenses can be transferred to the line of credit to lower principal and interest expense.
• Advances from the line of credit can be made at any time over a 25-year draw period, at a minimum of $4,000 per advance.
• Interest payments are remitted to the loan servicer by the 21st of each month (not drafted); auto-pay can be set up after closing, from any bank of the borrower's choice.
• After year 25, any remaining balance is amortized into 60 equal monthly installments of principal and interest at a fixed rate.

The purpose of the All In One Loan^® is to reduce lifetime interest expense and provide borrowers greater control of their pay-off timing and use of home equity dollars, without changing their monthly budget or relying on interest rates. Cash-flow positive borrowers can pay off their balance potentially decades sooner compared to a traditional mortgage, and save tens of thousands of dollars in interest in the process. Many borrowers also use their All In One Loan^® to invest in additional properties.

The All In One Loan^® checking account comes with all the same features you're accustomed to with a traditional bank account, including ATM Debit Point-Of-Sale (POS) VISA cards, personal checks, online and mobile bill-pay, external account transfer, direct payroll deposit, mobile banking App, downloadable monthly statements, and much more. It's a complete checking account with a team of customer service agents available to answer questions.

Yes. It can be used to finance primary residences, second homes and investment properties. Check with me for more details.

It depends on the situation. In most cases, having one All In One Loan^® in place can be very advantageous and help pay down multiple mortgages. Savings can be farmed from a property with the All In One Loan^® and used to lower principal on a conventional mortgage on another property more aggressively — making faster progress on both. In other cases, it may also make sense to obtain more than one All In One Loan^® due to the level of cash flow a borrower has.

No. The All In One Loan^® is secured by the one property it is being used to finance.

Yes. Credit standards allow for multiple borrowers to apply for one loan. Non-occupying co-borrowers are not allowed when financing is applied to a primary residence or second home. All borrowers on the loan application receive access to the All In One Loan^® account, and non-borrowing authorized users can be added in order to gain access.

Yes. Authorized users are allowed and can be added once the account set-up is completed.

Yes. The process follows industry standards and practices. Speak to me for more details and to obtain an estimate of fees.

Once an All In One Loan^® funds, the account set-up process begins. Borrowers receive a "Congratulations and What To Expect" letter delivered over secured email messaging within about 72 hours after closing. Bank cards and information for accessing the account online and through the mobile App are included in a packet mailed by the Loan Servicer, typically within 30-45 days, but it could take as much as 60.

The All In One Loan^® has helped several thousands of borrowers advance their housing goals more flexibly and strengthen their overall financial health, every year, since its release in 2005. Unfortunately, mainstream banks may view the program as a threat to their ability to leverage customer deposits, and many lenders lack the determination to market a product that requires more consumer education than traditional financing. Additionally, traditional HELOC products aren't designed to accelerate mortgage payoff. This is what makes the All In One Loan^® so unique.

Mortgage interest paid towards the All In One Loan^® is eligible for deduction, and a 1098 is issued to borrowers at the end of each calendar year. As outlined in Publication 936 of the U.S. IRS Tax Code, deduction eligibility is not defined by the type of loan you have on your home, but rather by the occupancy of the property and the use of the mortgage security (i.e. to buy, improve, etc.). Interest paid on home equity loans and lines of credit is deductible if the borrowed funds are used to buy, build, or substantially improve the taxpayer's home that secures the loan. Refer to IRS Publication 936 and speak with a tax professional for advice.