Introducing the All-In-One Loan – Designed to Save Interest

Pay Less Interest and Take Years Off Your Mortgage

What is an All-In-One loan?

It’s a unique home loan that combines your home financing and personal banking into one financing tool by combining the safety of a 30-year mortgage with the flexibility of a Home Equity Line of Credit.
Its unique features allow you to save $1000’s in home interest and years off your mortgage. Borrowers can pay off their homes sooner, build equity faster and free-up money that can be used for building additional wealth.

How Does it Work?

  • The All-In-One is a home loan that works like a fully-secured checking account and allows borrowers the freedom to use their income to reduce the amount of mortgage interest they pay.
  • All deposits into your account are applied directly to loan principal which lowers the outstanding daily balance on which interest is computed. Conversely, withdrawals from the account increase the balance. Unlike traditional loans that work on a monthly adjustment of principal, all deposits made to your All-In-One loan reduce the principal on the day you make a deposit to your account.
  • Access to deposited funds is provided 24/7 through ATM debit cards, check writing, online bill-pay and ACH transfers
  • Borrowers can pay off their home sooner, build equity faster and free up money that can be used to build wealth.
  • Works best for cash-flow positive households with good credit.
  • It’s a 30-year loan that provides access to the amount borrowed for the entire term. Even if you pay off your loan early, you still have access to the original loan amount for up to 30 years without having to refinance.

Who is Eligible?

  • Homebuyers and Homeowners in California and Hawaii
  • Primary homes, Second Homes and Investment homes for purchase and refinance
  • Loan Amounts up to $2,000,000 for Primary and Second Homes
  • Loan Amounts to $1,000,000 for Investment property
  • 1 to 4-unit homes are eligible. Condo’s are eligible too.
  • Loan to Value ratios as high as 90% depending on Loan Amount and Credit Score
  • Traditional underwriting standards apply, with some flexibility

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