All in One Mortgage

Lower your home loan principal faster and save tens of thousands in interest. With our All In One Mortgage, you have more control over your loan balance and interest costs. Plus, you can enjoy flexible access to your home equity without having to refinance.

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All In One Mortgages are popular among

Borrowers with good credit who are looking to maximize their income while simultaneously tapping into their home equity with ease
Homeowners who are looking to pay off home loans sooner, build equity faster, and free up disposable income

Advantages

Ability to finance new home purchases or refinance current mortgages
Direct deposits are applied to the principal, which lowers your outstanding daily balance and interest
Less money spent on monthly mortgage interest means more money available to meet other financial objectives
Banking features allow access to home equity without having to refinance
Comes with ATM cards for all account users, plus secured online bill-pay, unlimited check writing, and bank-to-bank wire transferring

What you need to know*

The All In One Mortgage isn't your standard closed-ended mortgage. Instead, it works much like an offset mortgage. Payments are made in the form of a deposit. Those funds are first applied toward your loan principal yet they are still available for withdrawal.

How does accessing cash work? Think of it as a home equity line of credit in the first lien position (also known as a first lien HELOC). Lines of credit are unique because they are flexible, two-way instruments allowing you to put as much money as you desire toward the loan balance without losing access to your funds. That money is still there when you need it. So, you're getting the features of a home loan, checking account, and home equity loan all in one, plus more flexibility than you'd have with a traditional HELOC.

Calculate your potential savings

Is All in One the right fit for your financial situation? Try our All in One loan simulator to find out.

The simulator will calculate total payments and interest savings for both your current loan and the All In One Loan. You can see a cost summary and estimated loan payoff in as little as two minutes.

Once your results are ready, one of our salary-based mortgage consultants can guide you through pros and cons, helping you decide which loan option is best for your future.

*AFC does not offer AIO loans in RI, MA, MI, SC, VA, IN, MS, NY, VT, NJ.

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