What is the Home Ownership Accelerator?

The concept is surprisingly simple: The Accelerator combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that automatically transfers all deposited cash against the loan balance each day in order to save mortgage interest. That's it! This simple change better leverages your cash flow, potentially saving you thousands in interest over the next decade. And, your funds remain available 24/7, just like with your old checking account today.

Click here to see the Home Ownership Accelerator movie.

The Accelerator could save you thousands in interest payments...

The Home Ownership Accelerator breaks with mortgage tradition by giving you, the borrower, 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 Home Ownership Accelerator does help reduce debt more quickly, simply by putting all your personal income to better use.

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 interest savings
and accelerating the reduction of 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 Home Ownership Accelerator, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings pay your home loan off sooner, or keep your equity leveraged and reinvest those savings in higher-yielding investments, saving interest is always in your best interest.

Whether or not you want to pay your mortgage off more quickly, owing less money over time will save you interest charges. How? It's not magic, it's just math:

And, the Accelerator will simplify your life!

Combining your main personal cash management tools into one master account relieves you of the need to track money transfers manually. Once the account is set up, transfers to and from your loan account occur automatically. So do your interest savings from your positive cash flow. And when you need cash for investments or expenses, it is quickly available via check, electronic transfer or ATM withdrawal. Nothing could be simpler.

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