Equity Builder Loan
Refinance Example

Primary Residence
Appraised Value: $800,000
Loan Amount: $640,000 (80% LTV)
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: $10,379

Net Monthly Savings: $2000 (12%)

White house with a stone chimney, surrounded by large trees and pink flowering bushes in the front yard.

Comparison

Equity Builder Loan:

AIO Loan Margain: 3.25%

AIO Loan Index: 3.679%

AIO Loan Rate: 6.929%

Existing Loan:

30-year Fixed: 5.00%

Had Loan For: 12 months

Principal & Interest: $3487

Results

A financial infographic showing a comparison loan with a 29-year payoff forecast. It includes details on total principal of $640,000, total interest of $573,511.11, 348 payments, and total expenses of $1,213,511.11.
A circular infographic showing a 15.3-year payoff period for an all-in-one loan. The chart is divided into segments indicating total principal of $640,000, total interest of $380,483.47, 183 payments, total expense of $1,020,483.47, and total savings of $193,027.64.

NOTES

  • AIO Loan Pays Off in 15.3 Years

  • 30 Year Pays Off in 29 Years

  • AIO Loan Total Expense: $1,020,483

  • 30 Year Total Expense: $1,213,511

  • AIO Loan Saves $193,027 in Interest

  • Effective APR: 3.390%

WEALTH ACCUMULATION

  • $962,993 would be YOUR balance in your investment account if your loan was paid off and your Financial Advisor invested the $3487 per month and earned 7% a year for the remaining 14,7 years. This is your money working for you!

Graph comparing loan balances and credit limits over 30 years, showing all-in-one loan credit limit, all-in-one loan principal balance, and traditional mortgage principal balance decline over time.

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 loan would be paid off in 13.1 years and the savings would be $329,107, with an Effective APR of 2.282%. We like to use a more conservative approach in our examples.