How It Works

Following are the most important guidelines and the most essential components for making this system work for you. We recommend you follow these guidelines to ensure your success in becoming mortgage free by saving the most amount of money in the least amount of time.

Line of Credit (LOC):
A Line of Credit is the most essential aspect of the program. The software uses the LOC as a medium that helps in canceling interest on your mortgage and allows you to pay more principal than interest. If you don't have a line of credit, you can visit your bank to see how you can get one. A savings or retirement account can otherwise be an alternative option to accomplish the same.

Positive Cash Flow:
For our mortgage freedom software to work, you should at least have a minimum of $25 positive cash flow. For example, if your monthly income is $3000, your expenses should be lesser than $3000. If your expenses are $2800 or less you will pay off faster because the software will take the difference into account and indicate how you should use that money to pay towards the mortgage. Similarly, if your expenses are $2500, you will pay off the mortgage even faster because of the higher amount of disposable income you will have. Get Your Lifestyle Snapshot to calculate how much Positive Cash Flow you have at the end of the month.

Money Management:
Discipline, as we all know is a much needed skill for financial success and that saving hard earned money helps us accumulate wealth. Overtime, saving money can become a very profitable habit. Making your money work for you to save you more money will dramatically increase your chances of becoming debt free. On the other hand, with poor money management, your income will never seem enough. If you must spend money to acquire what you want rather than what you need, account a certain dollar amount for these purchases. Therefore, learning the habit of saving money helps us break spending habits and helps apply savings to pay off debt.

Our Software:
Our mortgage freedom software is a user friendly application that guides you every step of the way and shows you how you can save thousands of dollars in interest and lessen the amount of time required to pay off your mortgage. It will enable you to create your own mortgage pay off plan and provide guidance for you to follow this plan systematically with clear instructions and timelines. You will be able to see how many years it will take you to pay off your mortgage and how much money you will save in interest by way of complex calculations and graphical representations of time lines. Our software will create a financial roadmap, taking into account your income, expenses, debts and savings to show you how you can make your hard earned money work harder for you. Once you generate your personalized pay off plan, it will only take 15-20 minutes per month to manage the plan.

By using a line of credit, controlling your spending and using our software, you will be able to dramatically reduce the amount and time required to pay off your mortgage.