Home Loans
All In One Loan
Most people keep their checking account and their mortgage completely separate. The All In One Loan changes that. It combines both into a single account so every dollar you earn works harder, pays down your principal faster, and saves you a significant amount of interest over the life of the loan.
$100k+
Average Interest Savings
10+ Yrs
Faster Payoff
1 Account
Mortgage and Banking
What Is the All In One Loan?
The All In One Loan is a first-lien home equity line of credit that functions as both your mortgage and your primary checking account. Your paycheck deposits directly into the account, instantly reducing your principal balance. Your daily expenses come out as needed. The difference is that every dollar sitting in the account is actively reducing the balance you owe interest on.
Traditional mortgages front-load interest, meaning the bulk of your early payments go to the lender, not your equity. The All In One Loan flips that dynamic. Because your income offsets your balance daily, you build equity faster, pay significantly less interest over time, and still have access to your funds when you need them.
Steady income
This loan works hardest for W2 employees, salaried professionals, and self-employed borrowers with strong, predictable cash flow hitting their account regularly.
Spending discipline
If you are not carrying a zero balance at month end, that positive cash flow stops working for the bank and starts building your equity instead.
Ready to Get Started?
See What the All In One Can Do For You
No pressure, no runaround. Just a straight conversation about whether this loan fits your financial picture.
Key Benefits
Daily Interest Reduction
Every dollar in your account reduces the balance interest is calculated against. Your paycheck goes to work the moment it lands.
Pay Off Years Earlier
Most borrowers pay off their home 10 or more years ahead of schedule without changing their lifestyle or spending habits.
Massive Interest Savings
Borrowers commonly save six figures in interest over the life of their loan compared to a traditional 30-year mortgage.
Access to Your Equity
Unlike a traditional mortgage, your equity is accessible as a line of credit. No need to refinance to tap what you have built.
Who Is It For?
The All In One Loan works best for borrowers who have steady, regular income deposited into their account and want to maximize every dollar they earn. If you are disciplined with your spending and not carrying a zero balance at the end of every month, this loan turns that positive cash flow into accelerated equity and real interest savings.
It is a particularly strong fit for:
- W2 employees and salaried professionals with predictable income
- Self-employed borrowers with strong cash flow
- Homeowners who want to build equity faster without refinancing
- Buyers who want mortgage flexibility without sacrificing access to their funds
- Anyone who wants to stop giving their bank more interest than necessary
Your paycheck
Deposits directly into the account, reducing your principal balance instantly.
Your expenses
Come out as needed, just like any checking account. Your access never goes away.
The result
Every dollar sitting in the account reduces what you owe interest on. Daily.
The Math Is Simple
Same Income.
Better Outcome.
You do not have to earn more or spend less. You just have to put your money in the right place. Ask Todd or Aaron to show you the side-by-side comparison with your actual numbers.
Good to Know
The All In One Loan is not the right fit for every borrower, and Todd and Aaron will tell you that upfront. If your cash flow is irregular or you tend to spend close to what you earn each month, a traditional mortgage may serve you better.
The goal is always to find the right loan for your actual situation, not just the most interesting one.
How It Actually Works
Your Paycheck Deposits Into the Loan
Your direct deposit goes straight into the All In One account. The moment it lands, it reduces your outstanding principal and the daily interest calculated against it.
You Spend Normally Throughout the Month
Bills, groceries, gas -- your debit card works like any checking account. Funds draw out as needed. You do not have to change how you live.
Your Average Balance Drops Every Month
Because income sits in the account between paychecks and spending, your average daily balance trends lower over time. Less balance means less interest. Less interest means faster payoff.
Your Equity Stays Accessible
As you pay down principal, that equity becomes available to draw on like a line of credit. Home project, investment, emergency fund -- it is there without a new loan or application.
You Own Your Home Sooner
Most borrowers who use the All In One Loan as intended pay off their mortgage 10 to 15 years ahead of schedule. Same income. Same lifestyle. Dramatically different outcome.
Real Numbers
$2,000
Monthly Take-Home Pay Example
Even a modest positive cash flow surplus each month compounds dramatically over 30 years. The math is not complicated once you see it laid out. Ask Todd or Aaron to run your numbers.
Worth Knowing
Your Rate Never Changes.
The All In One Loan is a variable rate product tied to the Wall Street Journal Prime Rate. That is different from a traditional fixed-rate mortgage. Todd and Aaron will walk you through exactly how that works and what it means for your specific situation before you ever sign anything.
Common Questions
Is the All In One Loan the same as a HELOC?
Not exactly. A HELOC is a second lien on top of your existing mortgage. The All In One Loan replaces your mortgage entirely with a first-lien line of credit. That distinction matters for rates, risk, and how the account actually functions day to day.
What happens if I have a bad spending month?
The loan adjusts naturally. If you spend more than usual one month, your average balance is slightly higher and you accrue a bit more interest. There is no penalty. The structure rewards good cash flow habits over time but does not punish short-term fluctuations.
What credit score do I need to qualify?
Generally a 680 or higher, though requirements can vary. Because this is a line of credit rather than a traditional installment loan, lenders look closely at credit history and cash flow patterns in addition to your score.
Can I use the All In One Loan to refinance my existing mortgage?
Yes. Many borrowers refinance into the All In One Loan specifically to start saving on interest and building equity faster. Todd and Aaron can run a side-by-side comparison of your current mortgage versus the All In One to show you what the numbers look like over time.
Is my money safe in this account?
Yes. The account functions like a standard FDIC-insured checking account for the funds you have deposited. The mortgage portion operates as a line of credit secured by your home, just like any other first-lien mortgage.
Still Have Questions?
Just Ask. We Pick Up the Phone.
No automated phone trees, no waiting on hold. You get Todd or Aaron directly.
Call Todd: (719) 482-5359 Call Aaron: (404) 455-5710Stop Letting Your Mortgage Work Against You.
Todd and Aaron have run these numbers for hundreds of Colorado Springs families. They know what the All In One Loan can do for the right borrower and they know how to show you exactly what it means for your situation. Your income, your balance, your timeline. Real numbers, not estimates. Let them run yours.