What is the Home Ownership Accelerator®?

It’s a mortgage loan that is designed to reduce the interest you pay and accelerate your principal payments so you can own your home faster. The concept is surprisingly simple: The Accelerator combines all of your checking and home mortgage accounts into one account that automatically holds all the checking deposits against the loan balance until you need the funds. That’s it! This simple change reduces the interest on your loan and puts your money to work potentially saving you thousands of dollars in interest and allowing you to own your home sooner. And, your funds remain available 24/7 just like your current checking account.

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Save thousands in interest payments…

The Home Ownership Accelerator® breaks with mortgage tradition by giving you the power to reduce your debt more aggressively. Traditional mortgages make it easy to get into debt, but offer no tools to help you manage the debt down. The Accelerator does help reduce debt more quickly, simply by putting all your personal income to better use. The results are amazing.

  • Your income lowers your monthly balance.
  • The lower balance saves you interest.
  • The saved interest becomes extra principal payment.
  • This further lowers your balance, saving more interest.
  • This frees up even more money to reduce principal.
  • This cycle repeats itself each month, compounding your savings and reducing your debt.

Why is saving interest so important?

Mortgage interest typically consumes about half of the average American’s net income, for decades at a time. With the Accelerator, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings to pay your home loan off sooner or keep your equity leveraged and reinvest those savings, the choice is yours. And saving interest is always a good thing.

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Simplify your life…

Combining your mortgage and checking account into the Accelerator relieves you of the need to manually track money transfers between the mortgage and checking accounts. Your deposits are automatically swept against your loan balance until you need them. This puts your money to work by reducing the interest you are charged. When you need cash for investments or expenses, it is available via check, debt card, ATM, electronic transfer and online bill payer. The access to your money is seamless and works just like your current checking account.

Discover how the power of your own cash flow could significantly accelerate your home loan pay down, saving you thousands in interest and getting you free-and-clear of mortgage payments years ahead of schedule; all this without changing your current spending habits.