Home Free - Simply Revolutionary

Home Free is not a typical loan; it’s a strategic tool to build, to grow and to live.

Step 1). Streamline Revolving Debt, Lower All Interest Rates

1. Car Payments
2. Credit Cards
3. Revolving Accounts

Step 2). Apply Credit Payment Savings, Eliminate Revolving Debt

Step 3). Move Other Assets to Accumulate Wealth Quicker

1. Savings, Passbook Accounts, Money Market Accounts and CD’s.
2. Create LIQUID EQUITY working for you.
3. Why earn 2 ½% to even 4% on interest with an after tax yield of 1% to 2 1/2%?
4. Save 5 to 6% on mortgage interest payments immediately and more of your monthly payment will apply to principal- shortening your payoff even quicker.

Step 4). Manage Your Expenses Increase Equity Payoff

1. Pay all possible expenses with a credit card.
2. Pay off credit card at the end of each month
3. See your Average Daily Cash Balance Rise and your interest payment lower

Two individuals make the same income, they both convert from a 30 year fixed product to a Home Free Loan. Their interest rate is 6% (same as their 30 year fixed) Both make the same mortgage payment as they paid on their last mortgage ($959.00)

Example 1:

1. $4,000 average daily checking account balance
2. 6% 30 year fixed
3. Zero net cash flow (earnings-expenses= 0)
   Home Free: 22 Year Payoff.
   Interest Savings over 30 yr Fixed: $ 59,256

Example 2:

1. $5,000 average daily checking balance (pay expenses at end of month)
2. $8,000 from savings moved into liquid mortgage account
3. $500 in monthly cash overage
   Home Free: 12 Year, 11mos. Payoff.
   Interest Savings over 30 yr Fixed: $120,637

Both individuals saved by moving to a Home Free Loan. In the second example, by paying bills off later in the month, moving some savings into the account initially, there is a dramatic result in the time to payoff and the interest saved. There are many other investment strategies which leverage the Home Free product to further benefit home owners including funding a guaranteed retirement!
Review our Calculator to review how it can work for you!