What if you could save tens of thousands of dollars in mortgage interest?

The smarter way to borrow

If you’re like most Americans, you probably financed your home over a period of thirty years. That’s a long time.  But what if there was a faster way to pay down your loan?  What if there was a way to save tens of thousands of dollars in interest you could then use to solidify other areas of your financial future?  Well, now there is with the revolutionary All In One Loan.


  • The interest you pay is front-loaded, meaning that the majority of your payment primarily goes towards interest, substantially increasing the total cost of borrowing during the early years of the loan. Most 30-year loans take 22 years to pay off just half the principal.  (See the chart below.)

  • The principal is not accessible. As you establish equity, you are not able to withdraw principal without refinancing or getting a 2nd mortgage. This is further complicated if you lose your job or your income sources.



Unlike a traditional mortgage that charges you interest up front, the All In One Loan is designed to apply payments to your loan principal first.  By doing so it reduces your balance faster and saves you thousands of dollars in valuable interest.





What truly makes the All In One Loan extraordinary is that it combines home financing and personal banking into one.  It allows you to use your regular income to lower your loan’s principal even faster – and you don’t have to change the way you spend. All deposits into the account are applied to the principal first resulting in a faster payoff of the mortgage.





The All In One Loan also provides access to your home’s equity dollars without requiring you to refinance.  As you know, that’s not the case with traditional mortgages.  Whether an emergency or just wanting to pull some money out for home upgrades, your equity is available for immediate withdrawal.



  • All deposits, such as income and short-term savings, are applied to principal first.

  • Borrowers don’t spend all of their money on living expenses immediately. Instead, much of their deposits remain on the credit line reducing further interest expense.

  • Money normally budgeted for a mortgage payment no longer needs to be spent.  Those dollars are automatically used to keep the All In One Loan balance even lower.

  • Finally, residual dollars not needed remain in the account, keeping the balance lower for even longer.  This has a compounding effect on interest savings month over month.





More important is the amount of actual interest that is paid over the life of the loan.  While the All In One loan is an adjustable-rate mortgage that is likely higher than existing conventional interest rates, it would still take a much higher rate before you would break even on the interest paid.





See the chart below.  This comparison assumes a deposit of $6,250 semi-monthly with 20% savings per month.  As you can see on a $600,000 loan with a 4% Conventional 30 Year Fixed vs the All In One loan, the All In One Loan pays off the loan in less than half the time (14.1 years) saving over $120,000 in interest cost.

Who Should Not Get This Loan?


This loan is not for everyone.  You will need a 700+ credit score to qualify.  The loan also has a reserve requirement (10% of your line amount) and a conservative debt-to-income ratio calculation. If you are challenged to make ends meet every month with little or no savings, this may not be best suited for you.  Because you are able to draw back the principal that you have paid, this can create an opportunity to trigger additional spending outside of your normal habits.  That said, while this loan provides a substantial benefit, it requires discipline and budgeting for success to be achieved.

Geographic Restrictions

This loan program is currently available in all states except Texas.

Have additional questions?  Visit our FAQ.

Contact a Fairway Seattle mortgage advisor to get started today.

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Fairway Mortgage Benefit Program operates through Fairway Independent Mortgage Corporation of Seattle. Andrew W. Reid, Market Manager- Seattle. NMLS #420400. 1910 Fairview Ave E, Ste 101, Seattle, WA 98102 Toll-free: 855-7-FAIRWAY Fax: 866-715-2733 areid@fairwaymc.com ©2020 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. Complaints may be directed to 877-699-0353 or email us at customerservice@fairwaymc.com. All rights reserved. Fairway is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. AZ License #BK-0904162. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License.


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