Palo Alto Home Ownership Accelerator

Join the Revolution!

The revolutionary HOME OWNERSHIP ACCELERATOR loan

Compared to ordinary loans you will probably ...

Save multiple thousands of dollars in interest,

Finish paying the loan in as little as half the time,

All without changing your payments or current spending habits!

Backed by the financial strength of GMAC.

Learn How the Home Ownership Accelerator Does It

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

Using the Home Ownership Accelerator, you direct-deposit your regular source of income into the mortgage, instead of your regular checking account. This immediately reduces your principal balance.

Because mortgage interest is calculated on your average daily principal balance, you begin to save interest right away compared to old-fashioned mortgages!

Get at your your money just like you always have.

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

But, until you need the money it is in your mortgage in the form of a lowered principal balance, saving you 5-6% of mortgage interest, instead of earning 1%, or less, in a bank account. Paying less interest means that more of your earnings goes towards theprincipal, and you pay for the loan sooner. Without changing spending patterns!

Get Rid of your Bank and Join the Mortgage Revolution!

Your bank doesn't want you to know about this loan! Why? The Home Ownership Accelerator empowers you, the consumer, to rewrite the basic principles of lending on which lending institutions have created their empires since the start of Banks.

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

Those banks don't want you to get this accelerator loan because they have to pay you 0-2% on your money as they are re-lending it getting 6-20% and gaining thousands of dollars in interest over the life of the mortgage.

How effective is the Palo Alto Home Ownership Accelerator?

For an average person with good income, you can pay off the typically sized mortgage in only half the time – with no changes to spending habits.

For example:

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

And, let's even assume that loan interest rates are growing on a "reverse course" that mirrors the recent decline (APR 8.19%)! This is a 'worst case' interest rate scenario!"

Saves interest, pays off sooner.

In our example, refinancing to a Home Ownership Accelerator roughly doubles your mortgage efficiency. You can pay off in as little as 17.3 years and will have saved approximately $89,000 (21%) in total interest, compared to the 30-year fixed rate loan at 5.5%.

Actually, to save that much interest, you would have to find a 30-year mortgage charging 4.4%, a very unlikely discovery.

You might be wondering what if rates keep increasing?

In the example, an adjustable rate on the Home Ownership Accelerator would have to be an average 9.6% over the entire 17.3 year duration for the interest payments to be the same as that of the 30-year fixed rate mortgage at 5.5%. That's not likely to happen either.

Seeing is believing. Why not try it yourself.

Using my easy to use Mortgage Accelerator Calculator  Interactive Simulator, see how the Home Ownership Accelerator can help you achieve financial freedom in Palo Alto sooner.

Still have questions?

Get the answers to Frequently Asked Questions .

All you have to loose is a lot of interest expense!

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