Saratoga Home Ownership Accelerator

Join the Revolution!

The amazing HOME OWNERSHIP ACCELERATOR mortgage

Compared to conventional loans you will probably ...

Save tens of thousands of dollars in interest,

Pay the loan as fast 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 low start rate, bi-weekly mortgage scheme or some software product. You simply bank your paycheck in your mortgage.

Utilizing the Home Ownership Accelerator, you direct-deposit your regular income into the mortgage, instead of your bank checking account. This immediately drops your principal loan balance.

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

Access your money just like you always have.

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

Until you need the money it's in your mortgage in the form of a lowered principal balance, saving you 5-6% in mortgage interest, rather than earning 1%, or less, in a bank account. Less interest means that more of your paycheck goes towards paying down theprincipal, and you pay for sooner. Without changing your spending habits!

Fire 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 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 revolutionary loan from your local retail bank, savings and loan bank or credit union.

Banks don't want you to take out this loan because they try to pay you 0-2% for using your money as they are re-lending it for 6-20% and gaining thousands of dollars in interest over the duration of the loan.

How effective is the Saratoga Home Ownership Accelerator?

If you're an average borrower with good steady income, you can pay off a typically sized mortgage in only half the time – and without changing spending habits.

Let's look at an example:

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

And, we can additionally assume that loan rates are growing on a "reverse course" that reflects their recent decline (APR 8.19%)! A 'worst case' scenario!"

Pays off sooner and saves you interest.

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

The fact is, 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.

But what if interest rates climb?

In the 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 the same as 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 how the Home Ownership Accelerator could help you achieve your financial goals in Saratoga 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