San Carlos Home Ownership Accelerator

Join the Revolution!

The amazing HOME OWNERSHIP ACCELERATOR mortgage

Compared to ordinary loans you will probably ...

Save multiple thousands of dollars on your loan interest,

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

All with no changes in your payments or current spending habits!

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 some software product. You only bank your paycheck in your mortgage.

Using the Home Ownership Accelerator, you direct-deposit your entire source of income into the loan, rather than your regular checking account. This immediately shrinks your principal balance.

Since the loan interest is based on your average daily principal balance, you begin to save interest from the start compared to traditional mortgages!

Get at your your funds just like you would expect.

You pay all of your bills from the accelerator mortgage, just as you would with a normal bank account -- by using the unlimited checks, no charge Debit/ATM card, and free 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 your bank account. Less interest means that more of your take-home pay goes towards theprincipal, and you pay off sooner. Without changing spending habits!

Get Rid of your Bank and Join the Mortgage Revolution!

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

That's the obvious reason why you cannot get this product at your local retail bank, savings and loan bank or credit union.

Banks can't afford for you to get this accelerator loan because they try to pay you 0-2% on your money as they are re-lending it getting 6-20% interest and profiting thousands of dollars in interest over the duration of the loan.

How effective is the San Carlos Home Ownership Accelerator?

If you're an average borrower with good cash flow, you could pay off the typically sized loan in as little as half the time – without changing spending habits.

For example:

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

And, we can additionally assume that mortgage interest rates are getting higher on a "reversed course" that reflects their recent decline (APR 8.19%)! This is a 'worst case' interest rate scenario!"

Saves interest, pays off sooner.

In this example, switching to the Home Ownership Accelerator typically doubles the efficiency of the mortgage. You could pay it off as soon as 17.3 years and you will have saved approximately $89,000 (21%) in total interest, by comparison with the 30-year fixed rate loan at 5.5%.

The fact is, to save that much interest, you would have to locate a 30-year mortgage at 4.4%, which is very unlikely.

You might be wondering what if rates keep increasing?

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

Seeing is believing. Try it yourself.

Use my powerful Mortgage Accelerator Calculator  Interactive Simulator, see for yourself how the Home Ownership Accelerator can help you get to your financial goals in San Carlos sooner.

Still have questions?

Get the answers to Frequently Asked Questions .

All you have to loose is years off your 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