GET STARTED WITH H.E.A.P.™

Learn it yourself.
Or get personal help.

There are three good ways to begin with H.E.A.P.™: run your own numbers in the H.E.A.P.™ app, learn the strategy through the book and educational resources, or get personal help reviewing your situation.

Run My Numbers → Get Personal Help

The H.E.A.P.™ Book

A practical introduction to the Home Equity Acceleration Plan and the thinking behind using available cash flow more efficiently.

Purchase the Book →

RUN YOUR OWN H.E.A.P.™ NUMBERS

Create your account and start your analysis.

Create a H.E.A.P.™ client account below. Once your account is created, you can use the H.E.A.P.™ planning application to enter your mortgage and household information and explore the strategy using your own numbers.

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THREE WAYS TO BEGIN

Choose the path that fits you.

Run Your Own Numbers

Create your H.E.A.P.™ client account and use the planning application to explore the strategy with your own mortgage and cash flow.

Enter your mortgage information
Use your own household numbers
Explore your potential payoff path
Review the results before deciding

Create My Account →

Learn H.E.A.P.™ on Your Own

If you prefer to understand the concept first, start with the educational material and work through the strategy at your own pace.

Read the H.E.A.P.™ book
Review the free brochure
See a worked example
Explore the H.E.A.P.™ software

Explore Resources →

Work With a H.E.A.P.™ Advisor

A trained advisor can answer your questions and run numbers specific to your mortgage and household cash flow so you can evaluate the strategy for yourself.

Use your actual mortgage information
Review household income and expenses
See potential payoff and interest differences
Decide whether H.E.A.P.™ fits your situation

Request Help →

WHAT YOU'LL NEED

Gather a few basic financial details.

The current H.E.A.P.™ getting-help process asks homeowners to gather mortgage information, household debts and expenses, cash needs, irregular expenses, and after-tax income before running an analysis.

Accuracy matters, but the entries can be adjusted as you work through the process.

1. Mortgage StatementMonthly principal and interest payment, total payment if taxes/insurance are included, current balance, approximate opening date, loan term, and current interest rate.

2. Monthly BudgetAuto loans, installment loans, credit cards, utilities, insurance, support obligations, dues, and other recurring expenses.

3. Monthly Cash NeedsFuel, groceries, discretionary spending, and other normal day-to-day expenditures.

4. Non-Monthly ExpensesAnnual or occasional costs such as tuition, insurance, taxes, or other large periodic expenses.

5. After-Tax IncomeYour normal take-home pay, how often you are paid, and an average for overtime or bonuses when applicable.

WHAT HAPPENS NEXT

A straightforward process.

Gather Information

Pull together your mortgage, income, debt, and spending details.

Run the Numbers

Use H.E.A.P.™ tools or work with an advisor to model your situation.

Review the Results

See how the strategy may affect your mortgage timeline and interest.

Make Your Decision

Decide whether the approach fits your household and financial priorities.

THE BOOK BEHIND H.E.A.P.™

Prefer to understand the strategy first?

The H.E.A.P.™ book is the best place to start if you want the full explanation before speaking with anyone. It introduces the mortgage-acceleration concept and gives you the background to ask better questions and evaluate the approach intelligently.

Purchase the Book → See How H.E.A.P.™ Works

Ready to see your own H.E.A.P.™ numbers?

Send us your information or ask a question and someone can help you determine the appropriate next step.

Contact H.E.A.P.™ →

Learn it yourself.Or get personal help.