Strategic Real Estate Investing with All-In-One Loans
For most of us, our primary or second home mortgage is our most significant expense, costing us decades in interest payments that slow progress with other important goals. But it doesn’t have to be that way. The All In One Loan was designed for today’s homeowner and buyer, providing the financing needed while accelerating pay-off and interest savings.
Our process to get started is incredibly simple and only requires a moment of your time.
How Does It Work?
If you’re like most Americans, you probably earn more in just five years than you owe on your mortgage. But cash is a depreciating asset, and despite low-interest rates, mortgages cost copious amounts of interest and delay progress with building home equity. The All In One Loan solves both obstacles by combining the two into one fluid financial instrument. As the nation’s only 30-year draw home equity line of credit (HELOC) with an integrated sweep checking account, it puts your income to work to lower daily mortgage principal and monthly interest costs.
View Our FAQDesigned for the Investor
You are not the average mortgage borrower. You need a home financing solution that maximizes your return and lets you buy additional properties faster. The All In One Loan combines a thirty-year HELOC with a sweep-checking account to give you the flexibility and control of the investments you demand.
- Use rental income to lower your principle faster
- Monthly payments reduce automatically
- Develops greater monthly positive cash-flow
- Fund repairs & other real estate purchases more easily
Easy Access To Funds
All-in-one loans are connected to a bank account, offering greater adaptability and hassle-free access to funds. This enables you to contribute additional payments to your mortgage or tap into the home equity line of credit as required. Suitable for financing up to ten properties, all-in-one loans present a distinctive solution for individuals with multiple properties. The 1st lien HELOC is a widely-used all-in-one loan that merges the characteristics of a standard mortgage with a home equity line of credit, delivering a versatile mortgage alternative for those with fluctuating incomes or specialized financing requirements.
Get StartedAll-In-One Loan FAQ
All-in-one loans present a distinctive financing solution that blends the qualities of a conventional mortgage with a home equity line of credit (HELOC). Like any financial offering, there might be questions regarding its functionality, eligibility criteria, associated fees, etc. Frequently asked questions about all-in-one loans often cover their operation, advantages, eligibility prerequisites, expenses, and the application procedure. Additional questions relate to the utilization of HELOC funds, options for early repayment, and the number of properties that can be financed.
How does an all-in-one loan work?
All-in-one loans combine the features of a traditional mortgage and a home equity line of credit (HELOC). The loan is typically set up as a first-lien HELOC, with the mortgage balance offset by the funds in the HELOC. Homeowners can make extra payments towards the mortgage or withdraw funds from the HELOC as needed. The loan is linked to a bank account, providing more flexibility and easier access to funds.
What are the benefits of an all-in-one loan?
All-in-one loans are designed to help homeowners pay off their mortgage faster, build equity faster, and save thousands in interest over the life of the loan. They provide access to the equity in your home through a home equity line of credit, which can be used for any reason, such as home renovations or other expenses. All-in-one loans are also linked to a bank account, providing more flexibility and easier access to funds.
Who is eligible for an all-in-one loan?
Eligibility requirements for all-in-one loans vary by lender, but typically include a minimum credit score, a certain amount of home equity, and a verifiable source of income. Self-employed individuals or those with variable income may be eligible for all-in-one loans, as they provide more flexibility and access to funds.
Are all-in-one loans more expensive than traditional mortgages?
All-in-one loans may have higher interest rates or fees than traditional mortgages, but the savings in interest over the life of the loan can outweigh the additional costs. It is important to compare all-in-one loans with traditional mortgages to determine the best option for your unique financial situation.
How do I apply for an all-in-one loan?
To apply for an all-in-one loan, you will typically need to provide information about your credit score, income, and home equity. You may also need to provide documentation such as tax returns or bank statements. It is recommended to speak with a financial advisor or lender to determine if an all-in-one loan is the right option for you and to discuss the application process.
How can I use the funds from the home equity line of credit (HELOC)?
The funds from the HELOC can be used for any reason, such as home renovations, debt consolidation, or other expenses. The HELOC provides access to the equity in your home, which can be a valuable source of funds for those with variable income or unexpected expenses.
Can I pay off an all-in-one loan early?
Yes, homeowners can make extra payments towards the mortgage or pay off the entire loan early. This can help reduce the amount of interest paid over the life of the loan and provide financial flexibility.
How many properties can I finance with an all-in-one loan?
Some lenders may allow you to finance up to 10 properties with an all-in-one loan. This can be a great option for real estate investors or those with multiple properties. However, eligibility requirements and terms may vary by lender, so it is important to research and compare options before applying.
