Sunnyvale Home Ownership Accelerator

Join the Revolution!

The revolutionary HOME OWNERSHIP ACCELERATOR loan

Compared to ordinary mortgage loans you will probably ...

Save many thousands of dollars in mortgage interest,

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

All without changing your payments or current spending!

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 just bank your paycheck in your mortgage.

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

Since the loan interest is based on your average daily balance, you begin to save interest immediately compared to old-fashioned mortgages!

Get at your your funds just like you used to.

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

Until you need the money it is in your mortgage in the form of a lowered principal balance, typically saving 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 off sooner. Without changing spending!

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 modify the concepts and principles of lending on which lending institutions have built their empires since the inception of Banks.

That's the #1 reason why you cannot get this product from your local retail bank, credit union or savings and loan.

Banks don't want you to take out this accelerator loan because they try to pay you 0-2% on your money at the same time they are re-lending it for 6-20% interest and profiting thousands of dollars in interest over the life of the loan.

How effective is the Sunnyvale Home Ownership Accelerator?

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

For example:

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

And, let's also assume that loan rates are growing on a "reverse course" that reflects 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 the efficiency of the mortgage. You may pay the loan off as soon 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 that much interest, you would have to have found a 30-year mortgage charging 4.4%, which is very unlikely.

You might be wondering what if rates go higher?

In this example, the 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 equal to that of the 30-year fixed rate mortgage at 5.5%. Another very unlikely scenario.

Seeing is believing. Try it for yourself.

Use my easy to use Mortgage Accelerator Calculator  Interactive Simulator, see for yourself how the Home Ownership Accelerator can help you get to financial freedom in Sunnyvale faster.

Still have questions?

Get the answers to Frequently Asked Questions .

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