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Blog posted On August 20, 2025
Let’s Start with 2 Key Questions
Question 1: Where does your paycheck go?
If you’re like most of us, it goes to checking, then starts making its way out to cover routine spending and monthly obligations including your mortgage. Ideally, there’s a little left over to go towards Savings.
This is normal in most households, but in most households the mortgage is the biggest expense. On top of that most people’s Checking account is just a “staging area”. It holds your income for a period of time until bills and expenses are ready to be paid.
Question 2: What if that same Checking account could help you potentially pay off your mortgage faster without changing how you live?
That’s the idea behind the All In One Loan!
The Old Way is Not Necessarily the Right Way
Traditional fixed rate mortgages are pretty straight forward. A customer has the same payment every month for the duration of their loan. For the first five years, roughly 85% of the total payments made go to interest!
At the same time, the money you are depositing is sitting idle in your checking account or barely earning anything in savings. You can try to be aggressive and pay extra on your loan, but if you do that, those funds are now locked up. If you were to need it later, there is no way to access that money.
The setup creates some definite conflicts. Does someone pay more toward their mortgage and lose access to their cash? Or do they keep access to the cash and drag out their loan and interest longer? Neither are great options.
What the “All In One” Loan Does
This loan combines your mortgage, checking, and a home equity line into one account. So when you make deposits (like when income enters your account), it goes straight toward lowering your loan balance.
You still have full access to your money. You can write checks and spend it like you always do, but while it’s sitting there, even for a few days, it’s reducing your interest.
Here’s what happens:
1) Money comes in
2) Your loan balance drops
3) You pay less daily interest
4) You spend as needed
5) Repeat
No changes to your lifestyle. Just a change to how your income and deposits can work for you while it is waiting to be utilized.
Why Does This Save You Money?
On the All In One Loan Interest is calculated daily. Not monthly like a regular mortgage. So any time your loan balance is lower, even temporarily, you’re saving money. This adds up over time. Instead of having to send in extra payments to pay your loan off faster, your everyday income is working quietly behind the scenes to chip away at your loan. You are always in control and your money stays accessible. The best part is the loan gets paid down faster with less interest.
Who Is This Really For?
It’s not for everyone, but if you manage your income well and want flexibility, it’s worth a look.It’s especially a good fit for those that have steady income, regularly carry money in checking or savings and like access to their equity. It also works well for self-employed or commission-based folks who want more control over cash flow.
There is a very powerful simulator that can compare this loan versus a traditional mortgage loan.
Conclusion
The All In One Loan gives home buyers something traditional mortgages can’t. Flexibility and real progress to pay their loan off faster without giving up access to their cash.
You don’t have to send extra payments or tie up your money. You just let your income pass through an account that actively reduces your loan balance while it’s there. The results are simple! Save interest, potentially pay off your loan faster, and keep your financial options open.
You might be closer to financial freedom than you think!
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