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.
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.
Use Your Own Numbers
Build the illustration around your mortgage, income, expenses and debts.
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.
Simple enough to understand.
Gather Your Numbers
Mortgage, income, debts, recurring expenses and everyday spending.
Run the Illustration
See how H.E.A.P.™ may work using your actual household information.
Review the Strategy
Understand the assumptions and how available cash flow is being used.
Decide What Fits
Adjust the numbers and determine whether the approach makes sense for you.
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.
Homeowners who want a clearer plan.
Homeowners With a Mortgage
See whether your existing cash flow may provide opportunities to reduce mortgage debt sooner.
Families Thinking Long Term
Explore the relationship between mortgage debt, equity, monthly spending and future financial flexibility.
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.
Everything you need to understand H.E.A.P.™
How H.E.A.P.™ Works
Understand the basic concept and why principal timing matters.
Learn How It Works →
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 →
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 →