How H.E.A.P.™ Works
Understand the basic concept and why principal timing matters.
Learn How It Works →A SMARTER PATH TO MORTGAGE FREEDOM
Own your home
years sooner.
H.E.A.P.™ helps homeowners understand how available household cash flow may be used more efficiently to reduce mortgage debt, build equity sooner, and potentially reduce interest over time.
%LESS INTEREST
↗MORE EQUITY
⌂MORE FREEDOM
A better way to think about your mortgage.
H.E.A.P.™ focuses on the relationship between household cash flow, mortgage principal, and the interest charged over time.
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Use Your Own Numbers
Build the illustration around your mortgage, income, expenses and debts.
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Reduce Principal Earlier
See how applying available dollars earlier may change the outstanding balance.
$
Potentially Reduce Interest
A lower outstanding balance can mean less future mortgage interest.
⌂
Build Equity Sooner
Understand the potential effect on your payoff timeline and home equity.
THE H.E.A.P.™ PROCESS
Simple enough to understand.
1
Gather Your Numbers
Mortgage, income, debts, recurring expenses and everyday spending.
2
Run the Illustration
See how H.E.A.P.™ may work using your actual household information.
3
Review the Strategy
Understand the assumptions and how available cash flow is being used.
4
Decide What Fits
Adjust the numbers and determine whether the approach makes sense for you.
SEE THE DIFFERENCE
Traditional mortgage vs. H.E.A.P.™
See how the strategy changes the timing of mortgage principal reduction, then run your own numbers for a personalized illustration.
Ready to see what this may look like with your own mortgage?
Run My H.E.A.P.™ Numbers →Illustrations are examples, not guarantees. Actual results depend on mortgage terms, household cash flow, assumptions, and implementation.
WHO H.E.A.P.™ IS FOR
Homeowners who want a clearer plan.
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Homeowners With a Mortgage
See whether your existing cash flow may provide opportunities to reduce mortgage debt sooner.
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Families Thinking Long Term
Explore the relationship between mortgage debt, equity, monthly spending and future financial flexibility.
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People Who Want to See the Math
Use an illustration rather than relying on broad claims about how quickly a mortgage can be paid off.
KEEP EXPLORING
Everything you need to understand H.E.A.P.™
See a H.E.A.P.™ Example
Walk through an illustration and see the strategy in context.
View the Example →
H.E.A.P.™ Resources
Explore the book, brochure, software, educational material and more.
Explore Resources →
YOUR NEXT STEP
Learn first—or use your numbers.
Run a Quick H.E.A.P.™ Analysis
Move from a generic example to an illustration based on your own mortgage and household information.
Run My Numbers →Get Started With H.E.A.P.™
Create your H.E.A.P.™ account, prepare your financial information, or get help understanding the process.
Get Started →What could H.E.A.P.™ look like with your mortgage?
You don't have to guess. Start with a quick illustration using your own numbers.
Run My Numbers →