The All in One Loan™

The smarter home loan for accelerating equity, minimizing cost, & realizing financial freedom.

The All in One Loan, in 4 Minutes.

Say you have a $600,000 home with a mortgage balance of $450,000, locked in at 5% for 30 years.

Let’s also assume you have $50,000 in savings, you make $120,000/year, and you spend 80% of that income each month.

By (1) refinancing your conventional loan into an All in One loan, (2) depositing those savings into the AIO checking account, and (3) paying two discount points to buy the margin down to 2.5% (which would cost $9,000 on a $450,000 loan), if you kept that exact same budget you could save more than $300,000 in interest charges assuming for historically average interest rates—and you’d pay off the loan in less than 10 years. (See all Rates & Assumptions)

Remember: every dollar you deposit into the AIO checking account is as liquid as any checking account, but until they’re spent they’re working to lower your loan balance.

Now, let’s consider two more possibilities. “What if rates go back up again?” And, “What if I’m not planning on staying in this house for 30 years?”

 The following examples are based on results from the All In One Loan Simulator, an interactive mortgage calculator. All examples are hypothetical and for illustrative purposes only. The quoted rates do not include origination fees and other lender fees, points, third-party closing costs, taxes and government fees, and prepaid expenses and deposits.  Any rates quoted on the examples are not annual percentage rates. Rates used in the examples are based on historical averages and do not reflect currently available rates.  The savings quoted are estimates and not guaranteed.  Your HELOC disclosure and brochure will provide the actual rates, terms and fees associated with the All In One Loan.

Computer screen showing rates going up and down.

“What if interest rates keep climbing higher and higher and my rate gets up above 9%?”

Rates rise and fall. Some people fear what can happen in a variable rate, thinking that they may get stuck paying a fortune in interest. They forget that in their 30 year fixed mortgage, regardless of their rate, they’re guaranteed to pay a fortune in interest charges.

In the AIO loan, even if your rate went up to 9.067% you’d still be more than $143,000 better off than you would’ve been in the 30 year fixed at 5%. (Rates & Assumptions)

And you’ll have the home paid off in 12.8 years.

Image of a paper house made of $100 bills.

“What if I’m not planning to stay in this house more than 5 years?”

You don’t have to stay in a home for 30 years to reap the benefits of an AIO loan. Take the conservative scenario (see above) where interest rates climb up to 9.067%.

Even within just the first 5 years, the difference is remarkable. In the conventional loan, over 5 years you will have paid less than $37,000 towards your principal, and your loan balance will still be more than $413,000.

In the AIO loan you will have put more than $155,000 towards your principal (more than 4x the principal paid in the conventional loan), and your loan balance will be below $295,000.

If that house appreciated just 5% per year during that time, it’d be worth around $765,000.

The profit from your sale would be $352,000 if you remained in the conventional loan. The profit could be $470,000 if you’d been in the AIO loan—$118,000 better off than if you’d kept the 30 year fixed.

And that’s just over 5 years.

Show me the details of how that works on the paydown schedule.

AIO Explainer: Illustrated Edition

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    The Basics.

    The All in One (AIO) Loan is a variable rate, 30 year Home Equity Line of Credit (HELOC) integrated with a sweep checking account whose funds are used to daily drive down the outstanding balance of your mortgage.

    Scroll to the right to see how it works.

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    OFFSET LOANS

    Most homeowners have both a mortgage and several liquid accounts (savings or checking accounts, emergency fund, etc.) with available funds to pay their bills and provide peace of mind.

    The All in One product combines your home loan with those accounts & uses those funds to offset what you owe on your mortgage, while still keeping those funds instantly available for immediate use, just as they were before.

  • Image of a mountain beside a lake.

    Makes Sense

    Since liquid accounts don’t usually generate any significant interest, using them to offset your mortgage—which is costing you real, daily interest—has the potential to rapidly lower your principal, thus saving you in interest costs, and it could pay down your home in a fraction of the time you would’ve otherwise.

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    CONSOLIDATE

    By consolidating your liquid accounts into the All in One checking account, you instantly lower the principal amount owed on your mortgage. Each time you deposit funds into the AIO checking account, the entire deposit is immediately & automatically applied against the amount owed on your home, while still remaining accessible through the typical banking features you already employ.

    Borrowers can simply access their funds now from the AIO checking account to pay their bills.

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    PUT THEM TO WORK

    By moving money from a typical checking account into the AIO checking account, you put those idle funds to work. Until you spend them, they are working to reduce mortgage interest, every day.

    Whatever funds are in excess of your monthly expenses are hard at work, paying down your mortgage, until they are withdrawn.

    Each time you make a direct-deposit (or add funds from another account) a principal payment in that amount is being applied to your mortgage.

    That makes the All in One loan remarkable in that principal is being paid first, and interest is being paid last.

    Since interest is calculated on the daily balance & only charged once at the end of every month, incoming deposits become principal payments, lowering the amount you’re paying interest on.

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    PRINCIPAL FIRST

    On most traditionally amortized mortgages, the payment is applied to interest first, and the amount of those interest charges is calculated based on the unpaid principal balance.

    Additionally, while discretionary principal payments can be made to reduce the principal, they won’t affect your monthly payment if it is a fixed-rate loan.

    Since the AIO loan is a fluid repayment and not a fixed, scheduled repayment, the borrower’s excess funds are carried over each month, compounding the benefit to the borrower with increasing effect over time. Whereas traditional mortgages compound the interest charges, the mechanics of the AIO loan allow you to actually compound your interest savings.

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    THE MORE THE MERRIER

    Most clients will keep whatever current checking accounts they currently use, but move as many funds as possible into the AIO checking account to maximize its effectiveness.

    The more funds that are in the AIO checking account, the more you’ll save in interest charges, and the sooner you will have the mortgage entirely paid-off.

    Many borrowers who have an AIO loan pay off their home in a fraction of the time they would’ve otherwise.

A Cash-out AIO Refi: How to save thousands.

Hand holding up A stack of bills

You could save 20-40% of whatever you owe on your home—just by refinancing into the AIO loan.

Image of a Lighthouse shining on a peninsula.

A Smarter Emergency Fund

Financial advisors often recommend that clients maintain a contingency fund with six to twelve months of income set aside in case of emergency.

The amount of money in such an account can be sizeable, and the opportunity cost of keeping such a balance in a low-yielding account can be significant. In the AIO loan, available equity can be used as emergency reserves in the case of losing one’s job or facing unforeseeable financial hardship.

When thinking about interest rates, do not forget about the loan term.

Lower rates do not always equate to a lower cost of a loan over time.

Franklin R. on Dec. 30, 2022

“Aaron & his team made transitioning to an AIO Loan easy, clear & a financial benefit for my family.  Aaron's patience & commitment to ensuring we understood the AIO product made it an enjoyable process. If you're serious about your financial future & positioning yourself in the most advantageous way possible, you have to explore AIO with Aaron..”

Amy S. on Aug. 3, 2022

“We love our AIO Loan and Aaron is wonderful to work with!”

Troy A. on Nov. 2, 2022

“What a great experience learning from and working with Aaron. The AIO Loan is a unique and powerful tool that we are so grateful Aaron introduced us to!”