AIO = Home Financing + Personal Banking

It is a first lien position, 30-year term, open-ended mortgage security, or line of credit, with an integrated zero-balance sweep-checking account. In other words, it's a combination home loan and checking account, merging together home financing and personal banking into one easy to use financial tool.

This unique program optimizes income by generating a relationship between dollars earned and dollars owed to lower the cost of financing efficiently and aggressively, with less dependency on interest rates. It eliminates the principal balance faster, lowers payments monthly and keeps money available for use without refinancing.

Where conventional mortgage products are structured with more focus on helping borrowers get into mortgage debt, the All In One Loan was engineered to help borrowers achieve transformational outcomes, like investing in retirement security, funding emergencies or a child's college tuition cost, and mortgage freedom.

The All In One Loan™ can be used for new purchases and mortgage refinances, and applied to single family dwellings, condominiums and town-homes and 2-4 unit multi-family homes, whether occupied as a primary residence, second home or investment property. It can also be used to finance the construction of a brand new primary residence or second home from the ground-up. Speak to a licensed and All In One Loan™ Certified Mortgage Professional for more details on financing allowances.

Works best with clients that have: Good credit & Low debt ratios, (surplus funds after paying all monthly bills).