If paying off your mortgage as quickly and with as little interest paid as possible is your goal then this is the loan you want. My wife and I put together an accurate budget, and then we figured our total monthly income, so we knew what our positive cash flow was each month. In doing the math I knew we were looking at around a 50 month payoff of 365K in mortgage debt. Because we have applied some unplanned income to our loan we have shaved an additional 8 months off of that. This will work for anyone who has income greater than your monthly budget. The more positive your cash flow the better the loan works. There are no negatives about this loan. Once we are debt free we can continue to use the AIO for college, business opportunities, cars, unseen expenses, or anything that comes up. Awesome product!
The All-in-One Loan is a gift from God on a silver platter! It’s truly making “retirement” possible for us, like nothing else! We are so so grateful! After learning about it, we researched it because it is so unique… then decided to move forward. It’s everything we had hoped for and way beyond! It took strategy and time to pull it off along with the tenacity and skill set of our Loan officer, Steve Kellerman, and his team! They guided us with incredible patience and expertise!
Now that we are in the loan, we are seeing the magic of it at work! It’s so invigorating to login and see the principal drop daily thus the monthly interest payment drops as well! We own a house appraised at $671,000 and our payment is less than renting a one bedroom apartment and that’s the most it will ever be… it continues to go down from there every month! We also had the cost of getting the loan paid off before making the first payment just by reducing the principal by transferring our operating funds into the account! Seriously Unbelievable! Deeply Grateful!
We love the ALL IN One! It is our primary banking account. We have had great service and no problems. I think we are doing well at paying it down - of course we could always be better!
The All-In-One loan is not only one of the best ways to reduce your overall amount of interest paid; it is also a loan that provides flexability. In today's wild west of soceity; having flexability within your finances is key.
I am incredibly grateful that we were introduced to an All in One loan when we were searching for a mortgage. One of the immediate benefits was our ability to purchase a new home before closing on the sale of our house. It allowed us to get an initial loan for the full purchase price of our new home, and then to pay off a large portion of the loan soon after (when our house sold). The long term benefits still seem too good to be true. Without a set mortgage payment each month, we tackled many home improvement projects. We are only 1 year into our All in One loan and our last monthly mortgage interest payment was under $140. That’s just a fraction of the interest I’ve paid in the past for traditional mortgages. I’d encourage anyone who is able to make All in One a financing option to take the leap!
The decision to move forward with the AIO loan was the best decision I made before the unexpected COVID-19 and all the setbacks that came along with it. The AIO loan offered me the flexibility to tap into resources that were easily accessible, rather than have to go get "an approval" or "give and explanation" as to a "why" I wanted to do whatever. It feels great to know the power to manage my property is in my hands. In addition, the visibility into the account, with regards to seeing the balance drop when adding money in, gives a sense of motivation to get it all paid of ASAP. I love it!
Quite often our friends and family ask us how the All In One loan works, since it's so unique, and we love to describe its complexity to them! Our loan officer and the All In One Loan Simulator tool greatly helped our understanding, and each year we reevaluate how we're doing on the payoff plan. We have enjoyed massive interest savings with this loan; it has helped us hone our budgeting to be more efficient; and it has given us an opportunity to work quickly towards our next home.
The AIO loan is an exceptional product for those disciplined investors and savers who can receive compensation in chunks. John and the CMG team do a great job all around!
