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Home Equity Acceleration Book

This book explains how you can pay off your mortgage 5, 10 or 15 years earlier without changing your lifestyle by using compounded interest to your benefit. Don't miss the opportunity to save literally, hundreds of thousands on the average home.

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Price: $24.95

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Paying off a home is an honorable and deservingly respectable task. Conventional mortgages are designed for the long haul, payment by payment until you get to the principle. It is an arduous process, but it does not have to be.

There is a growing trend by homeowners to investigate alternatives to conventional mortgages. If you could use valuable tax dollars to pay off your mortgage, would you? If you had the opportunity to pay off your mortgage five, ten or fifteen years sooner, would you grasp the opportunity? Of course, you would. Imagine the day you write your last mortgage checks.

H.E.A.P. ™, Home Equity Acceleration Plan, uses the power of numbers to pay off your mortgage without changing your lifestyle. You could pay off a 30-year mortgage in 11 years following the H.E.A.P. ™ calculator.

- Having a monthly balance in a checking account is NOT a good idea. (Money in a checking account earns you zero or very little interest, and that interest is taxed annually).

- It is always best to use all available dollars ALL THE TIME to pay down the debt on your home.

- A good home equity acceleration plan will NOT require you to alter your spending habits.

Your bank or mortgage lender charges you interest on a daily basis (many people think of mortgages as a monthly expense when it is really a daily expense).

Compounding interest is a very powerful thing. For example, if you invest $100 at 5% it will take you approximately 14.4 years to turn $100 into $200. Why is this example so powerful? The answer is because the numbers when put to work for you can do amazing things.

How H.E.A.P™ Works

Purchase a $199.95 HEAP assessment for your Home mortgage, please click here.

Purchase $24.95 the latest H.E.A.P.™ book from author Roccy DeFrancesco, J.D., CWPP (TM) , CAPP (TM) , MMB (TM)

If you can figure out a way to reduce your “daily” interest charges you can save a large amount of interest paid over the life of a loan.

H.E.A.P™ is very simple in that the program shows you how to use every available dollar you have ALL THE TIME to pay down debt on your home mortgage.

When you use every available dollar to pay down your debt at ALL THE TIME your daily interest charges are reduced and doing so over the life of a loan has a tremendous compounding effect. This compounding effect will help you reduce the term of your loan by several years and save thousands of dollars in interest.

Don’t believe it?

Look at the following real world example for a typical American couple:

Mr. Smith and Mrs. Smith earn $3,000 collectively twice per month as their take home pay (after tax pay which equates to $72,000 after tax in a dual income household). Assume they have a $250,000 house with a $200,000 mortgage balance. Assume the interest rate on the loan is 6.25% loan with a payment of $1,539 a month (without taxes and insurance). Assume the loan has 25 years remaining. Further, assume that their monthly bills (not including the mortgage) are $3,000 a month.

How long would it take the Smiths to pay off their mortgage using H.E.A.P™? 9.66 years!

How much would the Smith's save in interest expenses over the life of the loan using H.E.A.P™? $261,700!

If the above numbers do not get your attention, nothing will.

H.E.A.P™ is simple, does not require you to change your lifestyle, and can save the average client well over $100,000 of interest and shave in excess of 10 years off the term of a mortgage.

What is the above worth to you? Sure, $261,700 over the now shortened life of the loan if you are exactly like the Smiths.

Is getting advice and software to implement H.E.A.P™ worth $10,000? Is it worth $5,000? Is it worth $3,500?

- You’ll be pleasantly surprised to learn that if you use a H.E.A.P™ trained advisor they, by agreement, can NOT charge you more then $1,000 for the advice and that includes giving you access to your own H.E.A.P™ software for the first year.

- If you are an advisor reading this page, you can benefit by using H.E.A.P™ yourself, but think of how many of your clients you can help save hundreds of thousands of dollars.

- If you are sufficiently primed to learn how you can use H.E.A.P™ to benefit, you can get started.

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