A simpler way to think about
mortgage acceleration.
The Home Equity Acceleration Plan was created to give homeowners an understandable roadmap for using available household cash flow more efficiently against mortgage debt—without turning the process into an expensive or overly complicated program.
Your mortgage is not just a monthly expense.
H.E.A.P.™ begins with a simple observation: mortgage interest is driven by the outstanding loan balance. The strategy focuses on using available dollars to reduce that balance earlier, which may reduce future interest and accelerate equity growth.
The goal is to show homeowners how dollars already moving through their household can potentially be used more efficiently.
See How H.E.A.P.™ Works →Earlier principal reduction
Lower outstanding balance.
Less future interest
Potentially more equity, sooner.
A clearer payoff path
Illustrated with your own mortgage and household numbers.
Mortgage acceleration shouldn't require thousands in software fees.
Understandable
Explain the strategy in everyday terms so homeowners understand what is happening with their money.
Personalized
Use actual mortgage, income, expense and debt information to illustrate the strategy.
Accessible
Offer an alternative to mortgage-acceleration programs that charge substantial software or enrollment fees.
Built from a broader focus on wealth preservation.
H.E.A.P.™ and its accompanying software were created by Roccy M. DeFrancesco, Jr., JD, founder of The Wealth Preservation Institute.
About Roccy →The Home Equity Acceleration Plan
H.E.A.P.™ is also the title of Roccy's book explaining the strategy for homeowners.
Explore the Book →See the idea with your own mortgage.
Understanding H.E.A.P.™ is useful. Seeing the numbers is better.
Run My Numbers →