What’s the best mortgage in 2024?
Unless you can find a 30 year fixed loan with a 0.25% interest rate, you’re probably going to want to explore an All in One loan.
Because of the way it accelerates your loan payoff, it saves you a fortune in interest compared to a 15 or 30 year fixed loan.
Most people only consider interest rates when looking for loans; what they forget is just as important though: loan term. How long are you paying that interest rate—and, equally important: what amount is it multiplying by. The All in One loan shortens that term and lessens that balance so aggressively that even if your interest rate did climb up into the 6’s, 7’s, 8’s, or 9’s you’re likely still much better off than you would be in a 3.5% fixed for 30 years.
“Is an All in One Mortgage really a good idea with the variable rate?”
In the AIO, I’m simply not worried about what my interest rate is doing.
That’s not what I’m gambling on. I’m actually not gambling at all anymore—I’m banking on my income-to-expense ratio being such that no matter what my interest rate does, I’m going to win by a landslide.
When you consider how the AIO also provides you instant access to your home’s equity (without needing to refinance), the All in One Loan stands secure as the best mortgage in America.
It saves you a fortune in interest.
It saves you years—even decades—of mortgage payments.
It accelerates your equity.
And it replaces any need for an emergency fund by liquidating that equity, eliminating the pressure that comes from any lean seasons ahead.
It’s not magic; it’s just math. See it for yourself at our All in One interactive simulator.
