How H.E.A.P.™ Works

H.E.A.P.™ is very simple in that the program shows you how to use every available dollar every day to pay down debt on your home mortgage.

When you use every available dollar to pay down your debt ALL THE TIME, your daily interest charges are reduced and doing so over the life of a loan has a tremendous compounding effect. This compounding effect will help you reduce the term of your loan by several years and save thousands of dollars in interest.

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How H.E.A.P.™ Works

The concept behind H.E.A.P.™ is really very simple and is based on the following principles:

Monthy Balances

Having a monthly balance in a checking account is NOT a good idea (money in a checking account earns you zero or very little interest and that interest is taxed annually).

  • Using All of Your Money All of the Time
  • It is always best to use all available dollars ALL THE TIME to pay down the debt on your home.
  • No Change in Your Spending

A good home equity acceleration plan will NOT require you to alter your spending habits.

Understanding the following will help you understand the basics of H.E.A.P.™

Your bank or mortgage lender charges you interest on a daily basis (many people think of mortgages as a monthly expense when it is really a daily expense).