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Some Background
The mortgage business for years now has been focused on the "front-end" and have done a masterful job of creating loan products that make home loans more affordable. But many baby-boomers are now waking up to the challenge of paying off their homes before retirements. These homeowners are starting to realize that its time to STOP cashing out their equity and start cashing it back in to avoid having hefty mortgage payments that will prevent retirement or limit their retirement lifestyle.

This loan focuses on people who would rather pay down their debt, rather than expand or simply consolidate it.

How effective is it?
If you're an average borrower with good cash flow, you could pay off an average sized loan in as little as half the time – with no changes to spending habits.

Let's look at an example:
Imagine you have net pay of $100,000 annually, saving 15% of your net income after expenses, and you have a $400,000 30-year fixed-rate mortgage at 5.5%. And, let's even assume that mortgage interest rates are climbing on a "reverse course" that mirrors their recent decline (APR 8.19%)! A 'worst case' rate scenario!"

Saves interest, pays off sooner.
In this example, refinancing to the Home Ownership Accelerator roughly doubles your mortgage efficiency. You could pay off in as little as 17.3 years and save nearly $89,000 (21%) in interest, compared to the 30-year fixed rate loan at 5.5%. In fact, to save that much interest, you'd have to find a 30-year mortgage at 4.4%, which is very unlikely.

But what if rates go up even more?
In this example, the adjustable rate on the Home Ownership Accelerator would have to average 9.6% over the entire 17.3 years for the interest payments to equal that of the 30-year fixed rate mortgage at 5.5%. That's not likely to happen either.

Seeing is believing. Try it for yourself.
Use our powerful Interactive Simulator and see how the Home Ownership Accelerator can help you achieve financial freedom sooner.

Still have questions?
CALL US. We are Certified Home Ownership Accelerator Specialists, or see the answers to Frequently Asked Questions that customers often have.