Equity Builder Loan
Purchase Example

Primary Residence
Sales Price: $800,000
Loan Amount: $640,000 (80%)
Down Payment: $160,000 (20%)

Average Deposits:

  • $7,500 twice a month (semi-monthly)

  • $10,000 bonus twice a year (semi-annually)

One-Time Deposit: $25,000 (no longer need savings)

Expenses:

Escrows: $800 (taxes & insurance)

Monthly Living Expenses: $10,131

Net Monthly Savings: $2000 (12%)

A white house with gray trim, a stone chimney, and a red door, surrounded by trees and pink azalea bushes in front.

Comparison

Equity Builder Loan:

AIO Loan Margain: 3.25%

AIO Loan Index: 3.679%

AIO Loan Rate: 6.929%

Comparison Loan:

30-year Fixed: 5.75%

Principal & Interest: $3734

Results

A financial chart displaying a comparison loan with a circular payoff forecast of 30 years. It shows total principal of $640,000.00, total interest of $704,549.64, with 360 payments and total expenses of $1,344,549.64.
Financial infographic titled 'All In One Loan' showing a donut chart with a red arrow pointing to '14.1 YEARS'. The chart indicates a payoff forecast with total principal of $640,000 and total interest of $349,658.86. Additional details include 169 payments, total expenses of $989,658.86, and total saved of $354,890.78 highlighted in yellow.

NOTES

  • AIO Loan Pays Off in 14.1 Years

  • 30 Year Pays Off in 30 Years

  • AIO Loan Total Expense: $989,658

  • 30 Year Total Expense: $1,344,549

  • AIO Loan Saves $354,890 in Interest

  • Effective APR: 3.146%

WEALTH ACCUMULATION

  • $1,544,225 would be YOUR balance in your investment account if your loan was paid off and your Financial Advisor invested the $3734 per month and earned 7% a year for the remaining 15.9 years. This is your money working for you!

Graph comparing three mortgage payment options over 30 years: All in One Loan Credit Limit (blue line), All in One Loan Principal Balance (black line), and Traditional Mortgage Principal Balance (green line), showing declining balances.

One note regarding this example. This example was using a Rate Trend of “Remain a Current Rate”. If we selected the Rate Trend to use a Historical Average Rate, the savings would have been $475,031, with an Effective APR of 2.155%. We like to use a more conservative approach in our examples.