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Our home planning centers: 


What if You Can Pay Off Your Mortgage Quickly
in about 1/3rd of the time without refinancing or changing your current monthly payment or cash flow position
  • Would this interest you?
  • What would early payoff mean to you?

Early Payoff Means Better Security:

having your mortgage free and clear can prepare you for an unexpected financial emergency if you should lose your job, health, or be required to finance an unplanned event.

Early Payoff Means Big Savings:

by paying off your mortgage early, you can save a lot of money by not having to pay all that interest to the banks — see sample below:

Mortgage Loan Rate Term
$300,000 6.00% 360 Months
Monthly Payment: $1,798.65
Total Interest Paid after 360 months: $347,514.00
Interest Paid with 10-11yr Mortgage Payoff: $117,000.00
Interest Savings (approximately): $230,514.00

Early Payoff Means Better Planning:

what could you do with the extra money if your mortgage payment was over — how about saving for college, saving for retirement, taking some travel, etc.

View the illustrations below:

1st: Make additional payments to reduce mortgage interest fast:

You will setup a schedule where you make large, lump-sum payments to bring your mortgage balance down quickly — this allows more of your regular monthly mortgage payment to paydown principal rather than interest.

We have a slide show on mortgage amortization and interest.

2nd: Next, deposit all of your income into your advanced home equity line of credit account

You will take all of your income sources and deposit them into your home equity line account instead of your checking account.


  • salary income
  • capital gains
  • savings
  • spare change
We have a slide show illustrating how the banker equity line of account works
3rd: Now use your banker home equity line account to pay expenses

Use your home equity account to pay for everyday budgeted and planned expenses such as:

  • monthly bills
  • food and clothing
  • mortgage payment
  • budgeted card charges
  • other living expenses

use it like you would
use your regular
checking account
to pay for everyday
living expenses

Benefit: Your discretionary income pay offs your debt balances FAST!

Your discretionary income (the income amount minus your expenses) remains into your home equity line account to lower the debt balance.

When your debt balance drops to a pre-determined amount, you will then make another scheduled payment to paydown your mortgage. You will repeat the cycle over again until you payoff your mortgage.

Over time, you will be able to pay off your mortgage in half the time by budgeting and managing your mortgage payoff account.

We have a 10-step success plan illustrating how best to successfully pay down your mortgage

Need More Information

Click through our 10-minute slide presentation that summarizes the "mortgage payoff program":

Home Equity Application

FAST Mortgage Payoff

  • [view]Introduction
  • [view] Get Started
  • [view] Home Valuations