San Jose Home Ownership Accelerator

Join the Revolution!

The revolutionary HOME OWNERSHIP ACCELERATOR mortgage

Compared to conventional mortgage loans you can ...

Save many thousands of dollars in loan interest,

Pay off the loan in as little as half the time,

All with no changes in your monthly payment or current spending!

Backed by the financial strength of GMAC.

How the Home Ownership Accelerator Works

This in NOT a low start rate, bi-weekly mortgage scheme or questionable software product. You simply bank your paycheck in the mortgage.

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

Since interest is based on the average daily principal balance, you will be interest from the start compared to old-fashioned mortgages!

Spend your funds just like you always have.

You pay all of your bills out of your mortgage, just like you would with a normal bank account -- by using the unlimited checks, free Debit/ATM card, and free online bill-pay that comes with the account.

Until you need the money it stays in your mortgage in the form of a lower principal balance, saving you 5-6% of mortgage interest, rather than earning 1%, or less, in a bank account. Less interest means that more of your paycheck goes towards theprincipal, and you pay for sooner. With no change to spending patterns!

Drop your Bank and Join the Mortgage Revolution!

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

That is the obvious reason why you cannot get this kind of loan at your local retail bank, credit union or savings and loan.

Banks can't afford for you to take out this accelerator loan because they have to pay you 0-2% for using your money while re-lending it at 6-20% interest rate and gaining thousands of dollars in interest over the duration of the loan.

How effective is the San Jose Home Ownership Accelerator?

If you're an average person with good income, you can pay off a typically sized loan in as little as half the time – with no changes to spending habits.

Here's an example:

Imagine you have 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 growing on a "reversed course" that mirrors their recent decline (APR 8.19%)! Truly a 'worst case' interest rate scenario!"

The loan that saves interest while it pays off sooner.

In the example, changing to a Home Ownership Accelerator roughly doubles the efficiency of the mortgage. You could pay the loan off in as little as 17.3 years and will have saved almost $89,000 (21%) in interest, by comparison with the 30-year fixed rate loan at 5.5%.

In fact, to save an equivalent amount of interest, you would have to have found a 30-year mortgage charging only 4.4%, which is very unlikely.

Are you wondering what if interest rates climb even higher?

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

Seeing is believing. Try it yourself.

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

Have Questions?

Find 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