Finally. A mortgage designed to save you thousands in interest.

Yes. The All In One Loan can be used to purchase a primary residence, giving qualified borrowers a flexible financing solution that combines a 30-year HELOC with a built-in sweep checking account. 

Yes. Eligible homeowners can refinance an existing mortgage into the All In One Loan and begin leveraging its cash-flow management benefits while maintaining access to available equity. 

In many cases, yes. The program may be available for construction-to-permanent financing, allowing borrowers to finance the construction of a new home and transition into long-term financing once construction is complete. 

Depending on property type, occupancy, and borrower qualifications, the program may be available for investment property financing. Speak with a loan officer to discuss eligibility requirements and available options. 

The minimum credit score for the All In One Loan® is 700.  Contact a loan officer for current eligibility guidelines. 

The maximum lona amount for the All In One Loan is $6 million. A mortgage professional can help determine the maximum amount available for your specific situation. 

The minimum down payment for the All In One Loan® is 10%. Loan-to-value (LTV) limits may differ based on occupancy, loan purpose, and borrower profile. 

The maximum debt-to-income ratio for the All In One Loan® is 43%. Debt-to-income requirements depend on several factors, including credit profile, income, assets, and overall loan structure. A loan officer can help evaluate your eligibility. 

A sweep checking account automatically applies deposited funds toward reducing your loan balance. As money flows into the account, it works against the balance used to calculate interest while remaining available for everyday spending and expenses. 

Traditional mortgages typically separate your mortgage from your checking account. The All In One Loan combines home financing, home equity access, and everyday banking into a single account, allowing deposits to continuously work against your loan balance. 

Interest accrues daily based on the outstanding balance. As deposits reduce that balance, the amount of interest charged may also decrease. 

Yes. The account functions much like a traditional checking account, allowing you to receive direct deposits, pay bills, transfer funds, write checks, and access available funds as needed. 

Extra mortgage payments permanently reduce principal. With the sweep account structure, deposited funds may reduce the balance used to calculate interest while remaining accessible for future needs. 

Depending on how the account is used, some homeowners may reduce interest costs and accelerate equity growth compared to a traditional mortgage structure. Individual results vary based on income, spending habits, and overall financial circumstances. 

Savings vary based on loan amount, income, deposit activity, spending patterns, and other financial factors. Use our savings calculator to see a personalized estimate. 

The program is often most beneficial for homeowners with positive monthly cash flow, regular income deposits, savings reserves, and a desire to reduce long-term interest costs while maintaining financial flexibility. 

Many self-employed borrowers appreciate the flexibility of a revolving line of credit and the ability to put fluctuating income to work against their loan balance throughout the year. 

Unlike traditional mortgages, the All In One Loan combines a 30-year first-lien HELOC with a built-in sweep checking account, allowing your income, savings, and everyday cash flow to work together in one account. The result is a flexible financing solution designed to help homeowners use their money more efficiently.