H.E.A.P.™ is a concept that’s been around for a few decades but is not well known.
H.E.A.P.™ existed before any software program existed and software is not needed to implement the plan. Software may be helpful in running your numbers and understanding how the plan works, but it is NOT needed to implement the plan.
Watch out for any program that cost $3,500 or more
Yes, that’s right; there is a firm out there that sells “mortgage acceleration software” for $3,500. They have a really slick marketing package and a very powerful sales pitch. There are other firms that sell similar software from between $1,000 – $2,500 as well.
Let us restate the that software is NOT needed to implement a H.E.A.P.™ type program. Don’t fall prey to this bogus sales pitch.
H.E.A.P.™ $9.99 Mobile App
I created my H.E.A.P.™ software several years ago. I allow advisors to use my software to run the numbers for their clients and help explain the power of H.E.A.P.™. I recently turned that software into a $9.99 mobile app. and while there is no reason to buy H.E.A.P.™ type software for $3,500, when you can buy the same software for $9.99 and operate it on your phone, that’s worth allocating the dollars.
Stay away from any program that REQUIRES you to refinance your primary mortgage
This type mortgage acceleration plan is typically pitched by mortgage brokers looking to make money on large loan refinancing plans. You do NOT need to refinance your mortgage in order to use in order to use H.E.A.P.™.
If you get pitched this type of plan and want to discuss in detail why it is a bogus plan, simply e-mail firstname.lastname@example.org and H.E.A.P.™ creator Roccy DeFrancesco, JD will get on the phone personally to explain it to you.