The Mortgage Accelerator Program

Even if you think you have the best mortgage, it's now obsolete.

This innovative and powerful loan uses the power of your income to slash thousands off the total interest you pay and chop years off the time it takes to pay off. All without changing your spending habits, or your access to the cash you earn. Here is what others are saying....

"....harnesses the money sitting in a checking account for the borrower's benefit instead of the bank's." -- San Francisco Business Times,6/10/05

"....designed to help borrowers accelerate their principal payments as painlessly as possible." -- San Francisco Chronicle,5/26/05

"....a one-of-a-kind tonic for people who want to keep their balance sheets healthy in a time of skyrocketing house prices...." -- Contra Costa Times,6/10/05

"....could revolutionize the way Americans pay for their homes...." -- East Bay Business Times,6/10/05

How it works.                                         

Bank your money in your mortgage. With the Home Ownership Accelerator, you deposit your entire paycheck into your mortgage checking account instead of a regular old checking account. This immediately reduces your principal balance. Since interest is based on your daily balance, you start saving interest immediately compared to traditional loans!

Access your funds just like you used to. You pay all of your expenses out of your mortgage, just like you would with a traditional bank account -- using the unlimited checks, free ATM/Debit card, and free online bill-pay that comes with the account. Until you need the money, though, it's in your mortgage in the form of a lower principal balance, saving you 5-6% in mortgage interest, instead of earning 1% in a bank account. Less interest means that more of your take-home pay goes towards principal, and you pay off sooner. With no change to spending habits!

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!

We have created a special website for you learn more about the myths and misconceptions of this enabling program. Use our powerful Interactive Simulator and see how the Home Ownership Accelerator program can help you achieve financial freedom sooner. Veiw a 5 minute viedo that will amaze you!  Click Here!

One of the best tools for investor that's come across the board.

Access your money when you need it and replace it with the profits from your investment transaction when it's completed.

Ask our one of our mortgage professionals which program is right for you, the standard mortgage reduction program or the investor program.

800-598-1325

ed@csfinancialonline.com