Los Altos Home Ownership Accelerator

Join the Revolution!

The amazing HOME OWNERSHIP ACCELERATOR loan

Compared to conventional loans you will probably ...

Save tens of thousands of dollars in loan interest,

Pay the loan in as little as half the time,

All without changing your payments or normal spending limits!

Backed by the financial strength of GMAC.

How the Home Ownership Accelerator Works

This in NOT a bi-weekly mortgage payment scheme, lower start rate or questionable software product. You only bank your income in the mortgage.

Utilizing the Home Ownership Accelerator, you direct-deposit your regular paycheck into the loan, rather than your regular checking account. This immediately shrinks your principal balance.

Since the loan interest is calculated on the average daily loan balance, you will be interest from the start compared to bank loans!

Access your money just like you would expect.

You pay your expenses using the accelerator mortgage, just like you would with a normal bank account -- with the unlimited checks, no charge Debit/ATM card, and included online bill-pay that's all part of the account.

Until you need the money it stays in your mortgage as a lower principal balance, saving you 5-6% in mortgage interest, instead of earning 1%, or less, in a bank account. Less interest means that more of your earnings goes towards theprincipal, and you pay off the loan sooner. Without changing your spending!

Fire your Bank and Join this Mortgage Revolution!

Banks don't want you to know about this new loan! Why? The Home Ownership Accelerator enables you, the consumer, to rewrite the traditional ideas of lending on which banks and mortgage companies have created their empires since the beginning of Banks.

This is the #1 reason why you won't find this kind of loan from your local retail bank, credit union or savings and loan.

Banks can't afford for you to use this accelerator loan because they try to pay you 0-2% on your money while re-lending it at 6-20% interest and profiting thousands of dollars in interest over the life of the mortgage.

How effective is the Los Altos Home Ownership Accelerator?

If you're an average person with good cash flow, you could pay off the typically sized mortgage in only half the time – with no changes to spending habits.

Let's look at an example:

Imagine you get a net pay of $100,000 annually, you can save 15% of your net income after your expenses, and you want a $400,000 30-year fixed-rate mortgage at 5.5%.

And, we can even assume that loan interest rates are increasing on a "reversed course" that mirrors the recent decline (APR 8.19%)! A 'worst case' rate scenario!"

Pays off sooner and saves you interest.

In our example, refinancing to the Home Ownership Accelerator typically doubles the efficiency of the mortgage. You may pay it off in as little as 17.3 years and will find you saved approximately $89,000 (21%) in interest, in comparison to a 30-year fixed rate loan at 5.5%.

The fact is, to save that much interest, you'd have to have found a 30-year mortgage at 4.4%, not very likely.

But what if interest rates climb even higher?

In this example, the adjustable rate on the Home Ownership Accelerator would have to be an average 9.6% for the entire 17.3 year duration for your interest payments to be equal to that of the 30-year fixed rate mortgage at a rate of 5.5%. Again, very unlikely.

Seeing is believing. Try it yourself.

Use my easy to use Mortgage Accelerator Calculator  Interactive Simulator, see how the Home Ownership Accelerator can help you gain your financial goals in Los Altos in less time.

Questions?

See the answers to Frequently Asked Questions that customers often have.

All you have to loose is years less paying a mortgage!

The Home Ownership Accelerator™ ... in the news:

"....a one-of-a-kind tonic for people who want to keep their balance sheets healthy in a time of skyrocketing house prices...." -- Contra Costa Times, 6/10/05

"....harnesses the money sitting in a checking account for the borrower's benefit instead of the bank's." -- San Francisco Business Times, 6/10/05

"....could revolutionize the way Americans pay for their homes...." -- East Bay Business Times, 6/10/05

"This is a huge win for homeowners. It simply takes the interest spread banks had and gives it to the consumer." Yahoo Financial News, 7/20/05

"...enthusiastic reception to its Home Ownership Accelerator loan product..." San Francisco Business Times, 6/12/06

"...this loan program as ideal for financially savvy homeowners who are spending less than they make each month. " BankRate.com, 11/2/06

Call today — 650-922-0824