Testimonials

I am on my third All in One loan and love it because I am actively reducing the amount of my loan and paying less interest. It encourages me to save for big purchases (at a better rate than my savings account) and also gives me the flexibility to access it.

Ji Wei L.

I hate to get emotional about a financial product but the All In One Loan has changed the trajectory of my family's life and thinking about where we were and where we are now, makes me emotional. We refinanced a loan that we had for 16 years, right at the point where the payment reached about 50/50 between principal and interest. Once we got the All In One, we were able to pay the rest of the loan off in 20 months; saving us 12 years of interest. The freedom that comes with paying off debt so quickly is truly a blessing and something everyone should look in to.

Jason E.

We are estimated to be paid off in 7 years originally.  We have paid down by $131,670!  I am super excited that we might have it paid off within the next 2-3 years. love this loan!

Debra W.

We are happy with the All In One Loan. We are on target to pay off early and save in interest costs. I wouldn’t have recommended my cousin get this loan too if I didn’t believe in this product.

Jose

We have an investment property and are currently leveraging the All In One Loan on our primary residence, we were able to also save on our investment property. We do plan to purchase more properties in the future, but for now we are content to see the balance reduce month after month.

Jaspreet

We have all the security we need and that provides such peace of mind that I can sleep well at night knowing we’re covered, that is huge. Open your mind to more than just interest rates, this product is about so much more than just ‘what’s the rate?’

Ellen O.

Going from a traditional loan to the All In One Loan gave me so much more flexibility. One of the primary benefits I find is being able to take any idle cash and putt it towards the loan, for me, is far better than letting it sit in any a traditional checking or savings account, earning maybe point-one percent or perhaps losing money based on the fact that inflation runs about one to two percent per year. 

Kevin K.

I am a CPA and business owner. I used the All In One Loan to purchase my house and eventually paid it off. I realized a huge benefit by taking my idle cash and using it to pay down the balance which created liquidity for me. I recommend this loan for anyone interested in saving money.

Thomas H.

It is a good money saving concept. Much less interest paid and able to reduce principal significantly. We are very happy with our All In One Loan.

Mark B.

Saves big on interests and allows the flexibility to draw on equity.

Martin M.

I love the freedom & flexibility that the All-in-one Loan offers me and my family. Finally, I can prepay my mortgage and achieve my target debt freedom date sooner without losing liquidity and flexibility with my budget or cash flow. This is the perfect loan for me, and I am grateful that I found it.

Seth W.

If paying off your mortgage as quickly and with as little interest paid as possible is your goal then this is the loan you want. My wife and I put together an accurate budget, and then we figured our total monthly income, so we knew what our positive cash flow was each month. In doing the math I knew we were looking at around a 50-month payoff of 365K in mortgage debt. Because we have applied some unplanned income to our loan, we have shaved an additional 8 months from that. This will work for anyone who has income greater than your monthly budget. The more positive your cash flow the better the loan works. There are no negatives about this loan. Once we are debt free, we can continue to use the AIO for college, business opportunities, cars, unseen expenses, or anything that comes up. Awesome product!

Tim T.

I just ran my numbers again through the simulator after my wife received a $5 per hour raise. I called Progressive and saved $210 per month on our car insurance, and switched our medical insurance coverage to my wife's Teacher's benefits adding another $275 to our cash flow. The All In One Loan will allow me to pay off our biggest debt in 6.4 years. That is a GAME CHANGER for my family. I sure am glad I saw that video on YouTube! Thank you guys in advance !

Tony D.

We had a few questions that needed to be answered but the servicer was very helpful in explaining things. We’ve moved the majority of our transactions to them. We appreciate your help, and I’d be happy to let anyone interested in the AIO know how well it works and the peace of mind it provides.

Dan

I am self employed. With my income changing month to month I have comfort in knowing I have access to the equity in my home at any time. I've paid this mortgage down faster than any mortgage I have had in the past. This is the best mortgage for my family.

Kim

I hate to get emotional about a financial product but the All In One Loan has changed the trajectory of my family's life and thinking about where we were and where we are now, makes me emotional. We refinanced a loan that we had for 16 years, right at the point where the payment reached about 50/50 between principal and interest. Once we got the All In One, we were able to pay the rest of the loan off in 20 months; saving us 12 years of interest. The freedom that comes with paying off debt so quickly is truly a blessing and something everyone should look in to.

Jason E.

We've paid off over $40,000 of our home loan with AIO financing in just under 2 years--a dent we definitely wouldn't have made with a 30-year conventional loan! At this rate, we're on a trajectory to have our home paid off in 8 years or less!

Ashley K.

We are estimated to be paid off in 7 years originally.  We have paid down by $131,670!  I am super excited that we might have it paid off within the next 2-3 years. love this loan!

Debra W.

We love the loan and are way ahead of schedule in reaching payoff!

Scott and Kathy

We are happy with the All In One Loan. We are on target to pay off early and save in interest costs. I wouldn’t have recommended my cousin get this loan too if I didn’t believe in this product.

Jose

We were originally hesitant in believing in the power of the AIO. We were given the option to put the product on our primary residence or our investment property. We opted for the investment property to see how things went. We then saw our payments reduce from $1,451 to $688, by putting our money to work for us versus letting it sit idly in the bank. We Now have the AIO on our primary residence as well. We will estimate our interest savings between the two properties to be $247,000 and pay off both properties in about 5.5 years.

Randy and Donna

We have an investment property and are currently leveraging the All In One Loan on our primary residence, we were able to also save on our investment property. We do plan to purchase more properties in the future, but for now we are content to see the balance reduce month after month.

Jaspreet

Once I learned about this product, I was all in (no pun intended)! I’ve had some unexpected expenses come up and I’m getting married soon. I feel I’ll be back on track in no time. My soon to be wife and I are already looking at investment options with the savings we have now by using the All In One.

Luke

We have all the security we need and that provides such peace of mind that I can sleep well at night knowing we’re covered, that is huge. Open your mind to more than just interest rates, this product is about so much more than just ‘what’s the rate?’

Ellen O.

We are extremely pleased with our All In One Loan and have recommended it to several friends. The concept was previously unknown to us, but thankfully our loan officer was able to guide us through the principles of the program. We are on track to shave YEARS off our mortgage and without a change to our daily spending habits or our family’s lifestyle. The way “it’s always been done” isn’t always the BEST way. We should always try to innovate and grow. We’re extremely thankful!

Brian and Stephanie J.

Going from a traditional loan to the All In One Loan gave me so much more flexibility. One of the primary benefits I find is being able to take any idle cash and putt it towards the loan, for me, is far better than letting it sit in any a traditional checking or savings account, earning maybe point-one percent or perhaps losing money based on the fact that inflation runs about one to two percent per year. 

Kevin K.

I originally became interested in the All In One Loan because I’m self-employed as a real estate agent and I’m not paid every two weeks. Knowing that if I go a few months without getting paid, I’m not under that obligation to make huge payments. Whereas, if I have a good month and sell several homes, I can pay-down a large chunk of my loan. For me personally, I’m in a position to pay-off my house now.

Glenn M.

I am a CPA and business owner. I used the All In One Loan to purchase my house and eventually paid it off. I realized a huge benefit by taking my idle cash and using it to pay down the balance which created liquidity for me. I recommend this loan for anyone interested in saving money.

Thomas H.

The All In One Loan has helped me save a significant amount of mortgage interest - but more importantly, the principal balance on my loan has been falling faster than I could have ever imagined. Paired with flexibility and accessibility, I am always using the power of the All-In-One Loan to keep my interest as low as possible each month.

Dylan R.

It is a good money saving concept. Much less interest paid and able to reduce principal significantly. We are very happy with our All In One Loan.

Mark B.

I love that all the deposits go directly to principal. Plus, the rate on my loan is a guaranteed rate of return on all of my deposits. Greatest loan available. No question.

Shane O.

Saves big on interests and allows the flexibility to draw on equity.

Martin M.

We are paying off our mortgage faster than ever. It also helped because we got hit with an unexpected repair bill of $38,000 and we were able to use our equity to cover it.

Robert D.

I love the freedom & flexibility that the All-in-one Loan offers me and my family. Finally, I can prepay my mortgage and achieve my target debt freedom date sooner without losing liquidity and flexibility with my budget or cash flow. This is the perfect loan for me, and I am grateful that I found it.

Seth W.

The All In One Loan was a game changer for us. I admit that my first reaction to the concept was one of confusion. Checking account, mortgage, home equity loan all rolled into one. I quickly learned that this loan provided us with incredible flexibility when it came to paying bills, planning future expenses, and paying off the loan. And it was rewarding to watch the balance go down so quickly. I highly recommend it!!

Lynn R.

If paying off your mortgage as quickly and with as little interest paid as possible is your goal then this is the loan you want. My wife and I put together an accurate budget, and then we figured our total monthly income, so we knew what our positive cash flow was each month. In doing the math I knew we were looking at around a 50-month payoff of 365K in mortgage debt. Because we have applied some unplanned income to our loan, we have shaved an additional 8 months from that. This will work for anyone who has income greater than your monthly budget. The more positive your cash flow the better the loan works. There are no negatives about this loan. Once we are debt free, we can continue to use the AIO for college, business opportunities, cars, unseen expenses, or anything that comes up. Awesome product!

Tim T.

The All-in-One Loan is a gift from God on a silver platter! It’s truly making “retirement” possible for us, like nothing else! We are so so grateful! After learning about it, we researched it because it is so unique… then decided to move forward. It’s everything we had hoped for and way beyond! It took strategy and time to pull it off along with the tenacity and skill set of our Loan officer, Steve Kellerman, and his team! They guided us with incredible patience and expertise! Now that we are in the loan, we are seeing the magic of it at work! It’s so invigorating to login and see the principal drop daily thus the monthly interest payment drops as well! We own a house appraised at $671,000 and our payment is less than renting a one bedroom apartment and that’s the most it will ever be… it continues to go down from there every month! We also had the cost of getting the loan paid off before making the first payment just by reducing the principal by transferring our operating funds into the account! Seriously Unbelievable! Deeply Grateful!

Philip & Lori Welch

I just ran my numbers again through the simulator after my wife received a $5 per hour raise. I called Progressive and saved $210 per month on our car insurance, and switched our medical insurance coverage to my wife's Teacher's benefits adding another $275 to our cash flow. The All In One Loan will allow me to pay off our biggest debt in 6.4 years. That is a GAME CHANGER for my family. I sure am glad I saw that video on YouTube! Thank you guys in advance !

Tony D.

I can say with complete sincerity that getting into the All In One Loan is the best financial decision my wife and I have ever made. A year and a half ago when we were looking to refinance, I got in touch with Steve Kellerman through a family member. Our mortgage was a 20-year fixed that we were quite happy with, but we knew we could get a lower rate under the current conditions. Steve told us about the All In One Loan and at first we thought it was impossible, but after talking with Steve and researching it we became believers very quickly. This loan seemed like it would fit our financial position perfectly. We had some extra money lying around as savings that wasn’t really doing anything for us, and the ability to put it in the All In One Loan allowed us to take a huge chunk out of our principal, drastically lower our interest rate payments, and give us the option of using that money we deposited for any reason at any time. With our old conventional mortgage, we could have paid down the principal with our savings, but getting that money back would have been difficult, time consuming, and would have cost us money. One reason we were happy with our original conventional 20-year fixed mortgage was it meant we would have our house paid off by the time we reached retirement. We have been in the All In One Loan for 18 months and we have cut the loan IN HALF. The simulator projected we could pay it off in 5 years and we are on track to have it paid off much sooner. Our current interest payment is what our original loan’s interest payment would have been in the year 2031. Steve Kellerman and his team do a fantastic job working for you, and if you are in the right financial position, you would be nuts not to take advantage of this outstanding financial instrument.

Matt and Katja B.

We had a few questions that needed to be answered but the servicer was very helpful in explaining things. We’ve moved the majority of our transactions to them. We appreciate your help, and I’d be happy to let anyone interested in the AIO know how well it works and the peace of mind it provides.

Dan

We are SO in love with the AIO!! We got this loan for one of our rental properties earlier this year. Our daughter-in-law did the loan for us, and we have already paid down over 20K in principle.

Rebecca S.

I just closed my first AIO loan and I was pleased to see my client happy with a product that fit his needs.

Carmen K. | Mortgage Professional SINCE 2005

I think it's amazing and important for people to know about. I tell as many people as I can and I use the simulator multiple times a week to demonstrate its capabilities.

Joshua S. | Mortgage Professional SINCE 2010

The All In One(AIO) Loan provides a powerful tool to empower the borrower to achieve the “American Dream”.  Part one of the “American Dream” is to secure a mortgage to buy a house; the ultimate achievement of financial independence for the average American.  The  AIO also accelerates the second part like no other product in the marketplace, which is financial freedom and that is best achieved through the early payoff of the mortgage itself.”

P. Scott M. | Mortgage Professional SINCE 2004

My clients that use the All In One Loan have been amazed with the flexablity, vast interest savings and security this procuct brings. Especially during these uncertain times. They are totally satified and happy they chose the All In One LOan and have refered their friends and family.

Rosemary W. | Mortgage Professional SINCE 2013

As a mortgage professional, having access to a product like the All in One Loan opens an independent channel for business development with past clients, Financial Advisors, Realtors, Tax Advisors and Attorneys. It is a different message than what many are accustom to hearing. Interest avoidance and principal pay down flip the chart on Amortization. Every one that I close yields me several referrals. No two clients will utilize the program the same way because everyone is different and it allows so much flexibility. Whether buying additional real estate, supplementing college tuition costs or saving for retirement or a rainy day, it helps you do it all. It is a loan for all seasons of life.

Thomas R. | Mortgage Professional SINCE 1988

What consumers should understand is that the 30-year fixed and the 15-year fixed have been around since the 30's. They have to ask themselves, what hasn't been improved upon since that era. Why isn't there a better loan option out there? But now there is a better option. The All In One Loan is a better option for consumers that are simply looking to eliminate a large portion of their loan's interest cost.

Ryan H. | Mortgage Professional SINCE 1999

For me to say that the All In One Loan has transformed by business wouldn't go far enough. It really has been a huge part of my success over the years. I cannot imagine life without the All In One Loan in this business. It is such a differenciator.

Kory K. | Mortgage Professional SINCE 2003

When working with clients, I find they view their mortgage as their single biggest obstacle to retirement. When I talk to them about the benefits of All In One Loan financing as an alternative, it’s obvious to them that it could change their life. Consider all the other ways the extra income produced by eliminating the mortgage debt faster, could be utilized.

Jill L. | Mortgage Professional SINCE 1992

The All In One Loan is one of the best kept secrets out there and more people should know about it! This product helped my clients purchase a 2nd home and they love the fact they will be able to pay it off quickly. They love the product so much we did an AIO on their Primary Residence.

Christine B.

Mortgage Professional SINCE 1994

I think it's amazing and important for people to know about. I tell as many people as I can and I use the simulator multiple times a week to demonstrate its capabilities.

Joshua S.

Mortgage Professional SINCE 2010

Our Borrower was very pleased to close on his All In One Loan recently. He is excited about the loan recognizing the benefits that he will soon get to realize.

Ken C.

Mortgage Professional SINCE 1997

The All In One(AIO) Loan provides a powerful tool to empower the borrower to achieve the “American Dream”.  Part one of the “American Dream” is to secure a mortgage to buy a house; the ultimate achievement of financial independence for the average American.  The  AIO also accelerates the second part like no other product in the marketplace, which is financial freedom and that is best achieved through the early payoff of the mortgage itself.”

P. Scott M.

Mortgage Professional SINCE 2004

I have been promoting the All In One Loan program for nearly a decade to borrowers with a basic fundamental knowledge of money and bank principles with tremendous success. It offers more flexibility than any other mortgage program in existence. Early payoff reduced cost of funds (interest expense) and access to equity are just a few of the benefits of this unique program. I highly recommend it to any borrower looking to maximize their options with respect to financial flexibility utilizing this truly unique mortgage program.

Charles H.

Mortgage Professional SINCE 1988

My clients that use the All In One Loan have been amazed with the flexablity, vast interest savings and security this procuct brings. Especially during these uncertain times. They are totally satified and happy they chose the All In One LOan and have refered their friends and family.

Rosemary W.

Mortgage Professional SINCE 2013

This is an amazing program that we can offer to help our borrowers have financial freedom. To help customers payoff their mortgage balance, typically in one-third the time without changing their spending habits, is a game changer.

Brian B.

Mortgage Professional SINCE 1994

As a mortgage professional, having access to a product like the All in One Loan opens an independent channel for business development with past clients, Financial Advisors, Realtors, Tax Advisors and Attorneys. It is a different message than what many are accustom to hearing. Interest avoidance and principal pay down flip the chart on Amortization. Every one that I close yields me several referrals. No two clients will utilize the program the same way because everyone is different and it allows so much flexibility. Whether buying additional real estate, supplementing college tuition costs or saving for retirement or a rainy day, it helps you do it all. It is a loan for all seasons of life.

Thomas R.

Mortgage Professional SINCE 1988

As a mortgage professional this loan is an amazing product I can offer my clients. I am able to set my borrowers up with a plan to pay their home off quickly and save thousands in interest over the lifetime of their loan; while still maintaining constant access to their home's equity dollars. In these uncertain times, having a loan like this gives my clients the security they need, knowing that there is money available to pay their expenses and the flexibility to use their money in ways that will benefit them the most. Nothing gives me greater joy than seeing my borrowers realize how much savings they can realize whcih helps them reach other goals; be it retirement, growing a business or starting a family.

Logan S.

Mortgage Professional SINCE 2014

What consumers should understand is that the 30-year fixed and the 15-year fixed have been around since the 30's. They have to ask themselves, what hasn't been improved upon since that era. Why isn't there a better loan option out there? But now there is a better option. The All In One Loan is a better option for consumers that are simply looking to eliminate a large portion of their loan's interest cost.

Ryan H.

Mortgage Professional SINCE 1999

An excellent product for the right borrower. We have helped several home owners find this program and it not only saves them money, but provides an easy avenue for quick loan payoff!

Abby H.

Mortgage Professional SINCE 1999

For me to say that the All In One Loan has transformed by business wouldn't go far enough. It really has been a huge part of my success over the years. I cannot imagine life without the All In One Loan in this business. It is such a differenciator.

Kory K.

Mortgage Professional SINCE 2003

I really love the weekly All In One Loan Lunch and Learn webinar series. I makes it so much easier for my clients to learn about the program and provides me the freedom to focus my energy on closing their loan quickly.

Michelle S.

Mortgage Professional SINCE 2001

When working with clients, I find they view their mortgage as their single biggest obstacle to retirement. When I talk to them about the benefits of All In One Loan financing as an alternative, it’s obvious to them that it could change their life. Consider all the other ways the extra income produced by eliminating the mortgage debt faster, could be utilized.

Jill L.

Mortgage Professional SINCE 1992