https://aio.loan/blog daily 0.75 2025-04-15 https://aio.loan/blog/why-dont-big-banks-offer-the-aio monthly 0.5 2025-04-15 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1668450131438-A70CP2P23ULUDLQLCZYY/unsplash-image-vndHYmrMtaY.jpg The AIO Blog - Chase, Citi, Wells—sure. Who are you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/5c81cb81-6a83-4c02-bbe3-4d155c433601/Screen+Shot+2022-11-14+at+11.51.44+AM.png The AIO Blog - Chase, Citi, Wells—sure. Who are you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/tools monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1669683855816-QU15O8DS9J1PW95L53NJ/unsplash-image-wEJK4q_YlNQ.jpg The AIO Blog - Tools - 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. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/ae2a5b67-847d-4d94-9e42-b4b640dd0e62/Screen+Shot+2022-11-28+at+6.08.55+PM.png The AIO Blog - Tools - 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. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1669684384550-1S5MK0J4MIUO1KRLUNVH/unsplash-image-dw5NszAAig0.jpg The AIO Blog - Tools - 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. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1671060681087-X7N5ASU1KDGZLKYBLQ1F/unsplash-image-dw5NszAAig0.jpg The AIO Blog - Tools - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/slam-dunk monthly 0.5 2022-11-28 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/5eaacb26-cb1c-42ef-86a1-01e89307575f/Screen+Shot+2022-11-28+at+2.53.13+PM.png The AIO Blog - Slam Dunk - That video ended up on MTV's Ridiculousness. Rob Dyrdek and his guys had a good laugh watching my dunk, and skewering me for my stupidity. It actually was pretty stinking hilarious. I imagine big banks must be having a good hearty laugh at how many homebuyers keep willingly signing up for conventional mortgages. They must laugh in disbelief at how willing we are to pay fixed interest rates of 4%, 5%, 6% or more for 30 year terms. And they must roar when they see how much money keeps flowing into their banks, and how little is going into these homeowners' equity. https://aio.loan/blog/jumbo-vs-aio monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1669671722981-TNW70MWPBIR419EB1CE8/unsplash-image-YGgKE6aHaUw.jpg The AIO Blog - Jumbo vs. AIO - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/mortgage-for-the-rest-of-us monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1668457365022-S79HYWYHRXS9H9Z8EKBZ/unsplash-image-yzqZTrffdr0.jpg The AIO Blog - Mortgage for the rest of us. - Unless you’ve spent a lot of time researching mortgage, compound interest, & amortization schedules, there’s a good chance you’re like most people—not really sure how all of this works. We’re here to help. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/a749d853-9b83-4aab-bb4e-2d296fb31d7f/Screen+Shot+2022-11-14+at+1.27.20+PM.png The AIO Blog - Mortgage for the rest of us. - Make it stand out Stated vs. Effective Interest https://aio.loan/blog/after-the-closing monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1667953223242-S4P88BFQCOWFBQ1UDJZ3/unsplash-image-jdIT3puximI.jpg The AIO Blog - After the Closing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1668449837514-DW9DUP49QTKIH8WT09EK/unsplash-image-V06dt37iQFY.jpg The AIO Blog - After the Closing - Note: certain apps—such as Venmo—use “instant verification” before allowing funds to be transferred. Since the AIO checking account will typically show a $0 balance, Venmo may not always work. We’ve had no issues at all so long as Venmo is connected to our AIO debit card. But if you do experience any problems, we recommend keeping an outside checking account that you can use for instant transfers through such apps. You can initiate a transfer from your external account, pull the funds from your AIO, and send via Venmo without any problems. https://aio.loan/blog/how-have-i-not-heard-of-aio-before monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/4e5e22c9-4144-4699-9a35-d463f4401300/Screen+Shot+2022-11-04+at+3.26.04+PM.png The AIO Blog - How have I not heard of AIO before? - Remember the bag phone? This was one of the first commercially available mobile phones to hit the market in the 1980’s. I remember when our family bought one of these when I was about 9; we stored it in the glove-box of our car, seldom (if ever) using it due to the astronomical costs per minute. To date, I cannot recall it ever being used one single time. Fast forward to the the early 2000’s: mobile phones were still comically huge. I remember disagreeing with my newlywed bride in the fall of 2000 because she felt like she needed a phone in her car “in case something happened,” and I was incredulous! I remember thinking, “when would you ever actually need to make a phone call on the road?” https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1667600407674-KVOVPGZH4I2MHVOAH5NZ/unsplash-image-_HB3Y1wGlxw.jpg The AIO Blog - How have I not heard of AIO before? - Mobile phones have come a long way since their baggy beginnings. Mortgages have too. Just like you, I’ll never go back to not having a mobile phone. Having driven several electric vehicles for the last 8 years, I can also tell you will I likely never go back to buying a gas-powered car. And after just a few years in the AIO, I’m just as sure: there’s no loan in the world that I’d ever even consider going forward. https://aio.loan/blog/your-savings-account-is-rotting monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1661030505366-F4OLTG6JGW907V870KY6/unsplash-image-cre553Zfmtg.jpg The AIO Blog - Your savings account is rotting. - Gross. If your savings account is earning you 1% interest, and inflation is around 3%, that means that every day you leave money in a savings account, you’re losing money. For the sake of simplicity, say you put $100,000 in a savings account for a year. By the end of that year, you will have earned $1,000 in interest, and lost another $2,000 to inflation. (You’ll have $101,000, but the price of goods and services will have inflated to the effect of you having $97,000.) https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1661031276593-MZ3UTMC4C6FASJFSVRBK/unsplash-image-YJ7dFJTHEjI.jpg The AIO Blog - Your savings account is rotting. - Out with the old! Freshen it up. Now, imagine that $100,000 being in your AIO. Let’s say the interest rate is 5%. Now it’s in an appreciating asset, as well as saving you significant interest costs on your mortgage. Say you owed $200,000 on your mortgage, and it’s an AIO. By transferring that $100,000 into your AIO, it remains as liquid as it was in that savings account, but it’s now dropped your balance to $100,000. 5% interest on a $200,000 loan will cost you $10,000 / year. That’s $27.40 per day. 5% interest on a $100,000 loan will cost you $5,000 / year. That’s $13.70 per day. You’re now saving $416 per month—that’s a car payment--while remaining liquid the whole time. And remember: this is money that you simply moved from one account to another. https://aio.loan/blog/wait-or-buy monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/d13dae21-e945-44aa-afc1-357da30ee625/Screen+Shot+2022-08-19+at+1.50.29+PM.png The AIO Blog - Wait or Buy? - It’s a great question. Buying has more risk, & possibly even higher cost. But what happens over time? Take a look at the scenario (inset). Assuming for conservative estimates, If you were to rent or purchase a $500,000 home, over a five year period you would be significantly better off having purchased than paid rent. Here’s how: If you could rent that house for $3,000 / month or buy it with a $400,000 mortgage that costs $3,717 per month (a full PITI payment at 5%), the following will play out over a five year period: Your cashflow will average out to $293 less per month (in the purchase), but after five years, your net worth will have increased by $157,772. Rental prices increase every year, so by the time you get five years in, your rent for that same house will be more expensive than the mortgage payment. Remember: paying rent is paying 100% interest. You’re not building wealth. You’re not buying real estate—well, for yourself anyway. You are buying real estate for your landlord. Note: This is already accounting for all closing costs & realtor commissions involved in selling the home in 5 years time. I.e., that amount has been subtracted from the prospective net worth. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/38a6d930-10c8-432a-9dff-55894da192df/Screen+Shot+2022-08-19+at+4.44.09+PM.png The AIO Blog - Wait or Buy? - No doubt: it’s rough. Snapshot of the last 2 years mortgage pricing. https://aio.loan/blog/sounds-incredible-is-it-credible monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660941595111-FUEK5OLW7QV87WIJX83W/unsplash-image-uintAuJ_2aU.jpg The AIO Blog - Sounds incredible. Is it… credible? - Social customs are just that powerful: if none of your friends have ever done an AIO, you likely haven’t either. The combination of herd mentality + habit keeps most people in patterns of status quo. This is certainly true with home financing. America is a good 20 years behind most of the developed world when it comes to mortgage. Oh, we invented the 30 year fixed rate mortgage, making us #1 in the world for home ownership, but now we can look back and clearly see: that has benefited banks and billionaires infinitely more than it has everyday Americans. But then, around 2007, along came the AIO. An innovative mortgage bank in California (CMG, led by the brilliant Chris Michael George) developed a revolutionary new mortgage option — the All in One Loan — that provided a brilliant technological breakthrough in the mortgage industry. Now it’s time to get over the psychological hurdle. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660942505945-DJC18T771UN04CA5ECH8/unsplash-image-YfsyWcoI9Ko.jpg The AIO Blog - Sounds incredible. Is it… credible? - With the AIO, the adage is wrong. And we’ve got the numbers to prove it. We believe the numbers speak for themselves. . But we’re still very happy to speak with you ourselves. Ready to see what the AIO could do for you? https://aio.loan/blog/get-off-that-wheel monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660692187947-YINJUY68DNQRVUSYSOCA/unsplash-image-adK3Vu70DEQ.jpg The AIO Blog - Get off that wheel! - Consider the hamster. They’ll hop on a wheel and run and run and run—without ever recognizing that for all of their effort, they haven’t actually moved—at all. That’s fine for exercise, but if you’re trying to move forward, you need a better plan. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/436c7378-3a8c-404d-89ec-c481e4557823/Screen+Shot+2022-08-16+at+5.41.21+PM.png The AIO Blog - Get off that wheel! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660692557203-D0P1IHJUO9VR78BX7P7Z/unsplash-image-7eCBiZgyr4E.jpg The AIO Blog - Get off that wheel! - Getting into the AIO is like getting off a hamster wheel and getting behind the wheel of a supercar. It’s time to stop spending in circles—front-loaded interest for a few years, then you refinance or sell, only to start all over again paying front-loaded interest without ever really building equity—and eventually, wealth. It’s time to start accelerating down the road towards your preferred future. It’s ime to put your money to work for you, not for them. https://aio.loan/blog/so-you-want-to-try-a-flip monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660423235187-UR6EEVVK9UQS0GDPZ3OG/unsplash-image-N8NIxjFR4q8.jpg The AIO Blog - So you want to try a flip? - If you’ve ever looked into the details of flipping a property, you’ve likely run into the reality that most banks won’t finance flips. They won’t make any money on the loan if you end up selling the house 3 months later, and who’s to say you’ll even be able to pull off the renovation. Some friends of mine use commercial loans for this, but they bemoan the interest charges they have to pay every month they’re still holding the property. https://aio.loan/blog/refinancing-into-an-aio-a-scenario monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660179797321-2VSS1RDSABMKGIA83Z61/unsplash-image-Jg2-zDy-oUg.jpg The AIO Blog - Refinancing into an AIO: A Scenario. - The Jones family makes $10,000 a month and spends $6,030 per month, not including their mortgage payment. Option A: They keep their conventional, 30 year fixed mortgage for $400,000 with a 4.25% interest rate. Their monthly principal and interest cost is $1970. Option B: They do an All in One loan for the same amount with an average interest rate of 5.694%. Their initial, monthly interest-only payment would be $1,043. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660180214237-QKQKST9W19AQ723DA3YV/unsplash-image-PcDGGex9-jA.jpg The AIO Blog - Refinancing into an AIO: A Scenario. - Interest savings are only step one. Building wealth is next. If this family invested what was their mortgage payment—$1,970 per month—for the next 19 years (after paying off their loan in year 11), with just 5% returns that investment would be worth $752,474.25. Their monthly contribution will have totaled $451, 130; the other $300k+ will have come from interest. https://aio.loan/blog/variable-v-fixed-rates monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660166429329-ECON2X7V1VSVW651TXL1/unsplash-image-KTpSVEcU0XU.jpg The AIO Blog - Variable v Fixed Rates - Q: Should the Variable rate scare me? Possibly: the variable rate means that in the AIO, there is a chance that you could end up paying a fortune in interest. But don’t forget: in any conventional, 30 year, fixed-rate loan, you are absolutely guaranteed to pay a fortune in interest. If you asked to borrow $100 and I said, “Sure, but you have to pay me back $149,” you’d balk at the 49% interest rate. But if I spread that $49 of interest out over a 30 year term, that’s actually me only charging you a 2.875% interest rate. (A 4% loan would be $172.) Say you were able to get a low 2.875% mortgage, fixed for 30 years, on a $400,000 loan. That’s a great rate and a horrible deal. You’ll be paying nearly 50% more than whatever you borrow over the life of that loan. ($197,000 in interest, to be exact.) It’d beat a 4% fixed for sure–that’d cost you 72% in interest–$287,500. This is why we suggest thinking through interest costs, not just interest rates. https://aio.loan/blog/leveraging-the-aio-for-real-estate-investing monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660153229845-X95XR21WC9SKUPBD0A9Y/unsplash-image-OlSGcrLSYkw.jpg The AIO Blog - Leveraging the AIO for Real Estate Investing - Make it stand out Because the AIO turns a fixed mortgage into a HELOC with a credit limit of up to 80% of your home’s value, it can be a powerful tool to help homeowners harvest their equity for investment opportunities. Consider a hypothetical scenario: Due to market inflation, your home is worth $600,000 and you owe $150,000. Refinancing into an AIO would create a credit line of $480,000, which is 80% of the home’s value. Since you only owe $150,000, you now have access to an additional $330,000 on the line of credit. You could put a cash offer on an investment property or condo (for up to $330,000), pushing your offer to the front of the line, and skipping the laborious and expensive process of securing a second mortgage, qualifying to carry a second loan, sending documents in to underwriters, etc. https://aio.loan/blog/q-cant-i-get-similar-results-by-simply-making-additional-payments monthly 0.5 2022-08-10 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660152826110-OIVR3SMLY4PG8DWO1TC0/unsplash-image-lLnolsq3cNY.jpg The AIO Blog - Q: “Can’t I get similar results by simply making additional payments?” - Since the AIO uses the residual funds left over after expenses are paid, one might argue that they could get similar savings by simply making additional, optional discretionary payments towards the principal on their traditional mortgage. https://aio.loan/blog/a-smarter-emergency-fund monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660151651615-KG7SIPQ5SLORKEPXQG8D/unsplash-image-rC29LgEbTjU.jpg The AIO Blog - A Smarter Emergency Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/keep-this-in-mind-with-a-529 monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1659629182493-FC8XSOS6M3LU9825ARUX/unsplash-image-d6ebY-faOO0.jpg The AIO Blog - Keep this in mind with a 529! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/61c1b7c8-5360-4c85-bf0e-b95a35626e32/FAFSA+Screen+Shot+for+AIO+Blog.png The AIO Blog - Keep this in mind with a 529! - When the government is determining how much financial aid you are entitled to, they require tax returns, bank balances, & investment account balances. They use these to see how able—or unable—you are to pay for school on your own. “The more money you have, the less money you need,” in their eyes. Notice what you don’t see listed? Your home’s value, nor its equity. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1659625632641-A1XL22F399H8MG3SKHDX/unsplash-image-_kd5cxwZOK4.jpg The AIO Blog - Keep this in mind with a 529! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/help-i-cant-put-20-down monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1659480153255-VFYFFKHMTV1SEO98W2RB/unsplash-image-8lnbXtxFGZw.jpg The AIO Blog - Help! I can’t put 20% down! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/1934-was-a-big-year monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/41160db6-01ff-4f62-8e1e-36aea05d3aab/Screen+Shot+2022-07-27+at+1.57.50+PM.png The AIO Blog - Happy 90th Birthday to the 30yr fixed mortgage. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/fcf89fda-f15d-4d6c-830c-9884f145efe9/Screen+Shot+2022-07-27+at+1.07.57+PM.png The AIO Blog - Happy 90th Birthday to the 30yr fixed mortgage. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://aio.loan/blog/Blog Post Title One-sj83z monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1669764070109-XGXHSG3A5SKX753AGN5H/unsplash-image-xrR-Kr2zppo.jpg The AIO Blog - What’s the best mortgage in 2024? - “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. https://aio.loan/blog/dpa monthly 0.5 2022-12-14 https://aio.loan/home daily 1.0 2025-04-19 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Home https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1644095881600-C6177Y8HLINPOIVPQF77/unsplash-image-A9i0E630ANs.jpg Home https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1644095978253-9RD68S42NLLQ51W2H31I/unsplash-image-QdYy-EcUTjA.jpg Home https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1644096275645-6OY6HDHBJVYVCD494L2S/unsplash-image-A9i0E630ANs.jpg Home https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1644096400609-RAAVW679ABHL5PMQEPLU/unsplash-image-GpnvGlwk00s.jpg Home https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1668706819810-P2XPB5HR2QCB352Y4MFG/unsplash-image-ztYmIQecyH4.jpg https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1668707072877-EFZ703IU607N9BAQ0J9T/unsplash-image-1sCXwVoqKAw.jpg https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1b1c2133-0eca-4338-bc2b-4bb359165d2d/unsplash-image-OCrPJce6GPk.jpg https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660152097263-EKJPGCW5RF4H2DNBGUKR/unsplash-image-v4hWAdkhf9k.jpg https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1644250323282-9558OGPZ54MOLUDZ39KZ/unsplash-image-nWidMEQsnAQ.jpg https://aio.loan/our-team daily 0.75 2026-02-17 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/e859ca95-29ce-4dd2-b80c-12e7bc72d1ae/aaron-keyes.jpeg Our Team - About Our Team After spending 25 years as a songwriter, recording artist, & church worship pastor, Aaron Keyes (NMLS #2115518) now leads the AIO.Loan team as your trusted source for information & counsel on the All in One Loan. Our AIO.Loan team has helped countless homeowners with AIO loans, and we would love to see if it might be a good fit for you. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/89de073d-d3ee-4346-98cf-7b98869d1e98/3O2A9165.jpg Our Team - The Keyes Family I love helping people to experience the same things that have changed my own life. This has happened in universities (lecturing), churches (music), conferences (speaking), and schools (teaching). Lately, it's been happening in banks, offices, and my clients’ homes. Now, it's time to help people recognize that there is some fascinating creativity within the mortgage industry if you know where to look--and hardly anyone knows where to look. What I've learned here has been a game-changer for me, and I'm sure it could be big for you too. We are 1 of only 4 mortgage banks in the USA that offers the All in One loan, despite it being the only type of mortgage available in other countries. Conventional, fixed rate loans haven't evolved in the US in the last 90 years--since just after the Great Depression!--until now. Reach out if you'd like to learn more; I'd love to talk you through it. We're licensed in all 50 states. 5 star rating. Our team has many years of experience. We get things done right, and fast. Our suite of mortgage products is more extensive than most other banks, so even if the AIO is not right for you, we can help you find the right fit among our many other options. https://aio.loan/faqs daily 0.75 2025-04-19 https://aio.loan/the-simulator daily 0.75 2023-02-05 https://aio.loan/blanks daily 0.75 2026-02-17 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1600981741138-X4J84I1SD9Q3FT37PF2O/AroHa-2.jpg BLANKS A modern building situated on a grassy hill with snow-capped mountains in the background under an cloudy sky. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1600981741138-X4J84I1SD9Q3FT37PF2O/AroHa-2.jpg BLANKS Modern house on a green hillside with snow-capped mountains in the background under a cloudy sky. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589846860504-8WQTCL4WXXZ6JPJL61VH/20140301_Trade-151_0124-copy.jpg BLANKS Scenic view of a lake surrounded by green hills and mountains in the background, under a cloudy sky. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589846860504-8WQTCL4WXXZ6JPJL61VH/20140301_Trade-151_0124-copy.jpg BLANKS Scenic view of a lake with mountains in the background and green hills in the foreground under a cloudy sky. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1660688920471-VX5NK5BJEV9VUY3R6ETL/unsplash-image-sQag8O3j2bc.jpg BLANKS Abstract digital artwork with curved, layered shapes in shades of purple, pink, and black. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1600981741725-RPAB21NKC373E1NWGORK/AroHa_3.jpg BLANKS Modern wooden building with large glass window set in a grassy field, with mountainous landscape in the background https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1600981741725-RPAB21NKC373E1NWGORK/AroHa_3.jpg BLANKS Modern wooden building with large glass window, set against a mountainous landscape with sparse vegetation and overcast sky. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1672791625081-UFOUVC3Q74NZ4QH93QLP/unsplash-image-PcDGGex9-jA.jpg BLANKS Bar graph with bars made of a dollar bill texture, showing increasing wealth over time, with labels 'Time' on the x-axis and 'Wealth' on the y-axis. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1690319118835-2CZH8HPU7BVGSQ5QAXOF/image-asset.jpeg https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1690319243959-QGY04644OZPC7VZEL6A6/image-asset.jpeg https://aio.loan/accessibility daily 0.75 2026-02-17 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/5a87ccd2-8f7f-4b4d-9938-0628058216f4/Screen+Shot+2022-11-19+at+11.10.47+AM.png https://aio.loan/schedule-a-meeting daily 0.75 2026-02-17 https://aio.loan/jones daily 0.75 2023-01-06 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/b8d7d933-d217-4b5e-9a93-3522be119e6e/Screen+Shot+2022-12-14+at+2.35.21+PM.png https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/1671053972694-987Y4799Z5KBHCJO41OW/unsplash-image-PcDGGex9-jA.jpg https://aio.loan/rates-assumptions daily 0.75 2026-02-17 https://aio.loan/afa daily 0.75 2026-02-17 https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/ea4952ae-a2ac-4979-9ccb-ea3cb443fd26/Enlight557.JPG AFA Commencement House Outdoor patio with a beige couch, patterned pillow, fire feature, and two wall-mounted heaters, with a glass partition reflecting a door and string lights overhead. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/48f71dad-5548-4584-8587-ce5a9cb87bd6/Enlight552.JPG AFA Commencement House Bright living room with large windows, white curtains, gray and brown sofas, coffee tables, colorful pillows, and indoor plants. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/a863eb77-716e-4793-93e2-63f61db80ebf/Enlight578.JPG AFA Commencement House Spacious living room with contemporary and mid-century modern furniture including two light-colored sofas, a brown leather sofa, and nested coffee tables with a vase of red tulips. Features a textured area rug, side lamps, and decorative pillows. Visible dining area with a black table, blue chairs, and hanging pendant lights, adjacent to an open kitchen with dark cabinetry. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/e39e2f2d-3ca6-4b9d-a1ff-6052dd74dc32/Enlight579.JPG AFA Commencement House Living room with large windows overlooking mountains, furnished with a gray sofa and a chair, a round coffee table with a vase of pink tulips, and curtains. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/5bbbfb97-1226-4428-8e35-61d517eee3e6/Enlight558.JPG AFA Commencement House A cozy living room features a light gray sofa with decorative pillows and a blanket, two white textured ottomans, a wooden sideboard with storage baskets, framed wall art, a window with blinds, and a tall lamp with a white shade, all illuminated with warm lighting. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/819e2b85-016a-482c-bfd6-2f4725359443/Enlight554.JPG AFA Commencement House Kitchen with dark wood cabinets, a granite countertop, stainless steel appliances, and a small island with a flower vase. 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The shower area has a blue and white patterned curtain. The floor is tiled, with gray and beige bath mats, and towels are hanging on black hooks. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/75fe6ec1-9ae9-4af0-b2c8-edd241c892e9/Enlight573.JPG AFA Commencement House Spacious living room with beige carpet, two sofas, a coffee table, a hanging TV, sliding glass door with curtains, and a small yellow shelf. https://images.squarespace-cdn.com/content/v1/61fedb58da75dc376fc9cdba/6de38d9a-7577-462f-8994-f7dc610e7042/Enlight572.JPG AFA Commencement House A wooden upright piano with a music stand, situated in a room with striped and abstract art prints hanging on the wall above it. 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