Pay off your home faster than before!

Mortgage and Lending with Value Shield Financial Services

Foreclosures are on the rise and home prices are falling.  Read below to see how you can pay off your home faster than before without a change to spending habits.  This idea is nothing new.  Many people in Europe and Australia have been using this as a way to pay off their home for years now. 


There are 2 ways to pay off your home faster.  One option is to buy a $3,500 computer program and the other is to refinance into a first lien line of credit.  Either option will work. I will explain how each one works and give you some highlights and differences of each one for you to choose which may be better suited for you.


Purchasing the $3,500 software 

The software program is where you will put all of your financial information in regards to your mortgage debt, car loans, personal finances, etc.  You will also need to get a 2nd mortgage HELOC (home equity line of credit). 

The program then shows you how to use your 2nd mortgage to pay down your first by running your finances through your second mortgage. 

Running my finances through my second mortgage???? What does that mean???

You will start to deposit as much funds as possible into your second mortgage via your paycheck or any other income source.  Then you will use the credit card and/or checkbook that you receive from the HELOC company to pay your bills.  The advantage here is that the HELOC company calculates your required interest only payment on the average daily balance and not on the balance at the end of the month.  You are reducing the average daily balance since you are paying more than the required minimum payment and then taking the funds back out as you need them.

This is a key component to helping you reduce your mortgage faster.  And... you have essentially made your 2nd HELOC your own personal bank where you deposit and withdrawal funds. 

The software program also helps you move other money within your personal bank of finances to help you reduce and pay off your home faster.

Advantages to Software

 Anyone can qualify if they spend $3,500 on the program and also get a 2nd mortgage on their home.

Disadvantages to Software

 You have to be committed to working and following the software on a continual basis in order for the program to work.


Using the Equity Accumulator Loan Structure (TM)

The EA Loan is a way to do everything the software does without all the work on your part. 

The EA Loan is a first lien HELOC where you will run your finances through to pay down the mortgage faster.  Remember that run your finances through means you will deposit your funds and use the credit card and checkbook to pay your bills and expenses. 

Advantages to EA Loan

1. This is a "set it and forget it tool" - you dont have to actively manage your finances or transfer funds between your first and second mortgage

2. The interest rate on this loan is very comparable to your Fannie Mae conforming rate.

Disadvantages to EA Loan

Only people with good credit and strong income can qualify.

To see a 5 minute video on the EA Loan click here.  It will take about 4 minutes to load.

Value Shield Equity Accumulator Simulator





Hope you have a wonderful and prosperous day!



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Thomas Hargreaves
TriStar Financial Services - Eugene, OR

There is another system that requires No Software, Heloc or good credity.. The Dream System.

Aug 03, 2008 06:22 PM #2
aaa aaaaa
Plano, TX


With United first financial, you dont need to have a home equity loan and the fee can also be financed. I will be happy to discuss this further.

Dec 24, 2008 09:48 AM #3
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Chad Wille

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