A mortgage is a tool that allows you to buy a home you wouldn't otherwise be able to afford.

Like any tool, some are better than others, and some fit you better than others. The wrong tool can make things unnecessarily difficult, painful, or prolonged. The right tool makes things easier, get things done better, and does it all much, much faster.

I'd compare a 30 year loan to an old, rusty saw.

It'll do the job eventually, but you will have unnecessarily expended maximum energy in doing so.

Upgrading to 15 year fixed loan would be like upgrading to an old whipsaw.

Remember these? About 8' long, requiring two people on either side of the tree, pushing and pulling back and forth. It gets the job done much faster.

Upgrading to the AIO is like getting your hands on a chainsaw.

It's sharper. It's faster. And It’s so much more powerful.

Many AIO clients pay their loans off in 1/3 of the time they would've in their conventional loans. Those in a 30 year would pay them off in 10 or 11; those in a 15 year pay theirs off in 5 or 6.

If your goal is pay as much as possible in interest, and do that for as long as possible, then by all means: stay in your current loan.

But if you'd like to cut through your debt quickly, build equity faster, cut down what you’re paying in interest charges, and have peace of mind knowing that you'll never have to feel a cash crunch again, it's time to upgrade your tool.