H.E.A.P.™ BROCHURE

A quick introduction to the H.E.A.P.™ concept.

The original H.E.A.P.™ brochure explains the mortgage-acceleration idea, why timing matters, and how the strategy was illustrated for a sample household.

The original brochure is retained as educational material. Some examples and wording reflect the assumptions and presentation used when the brochure was created.

ORIGINAL H.E.A.P.™ BROCHURE

WHAT THE BROCHURE EXPLAINS

The core ideas behind H.E.A.P.™

The brochure was built around a few straightforward themes that still sit at the center of H.E.A.P.™ today.

Mortgage Timing Matters

Mortgage interest is affected by the outstanding balance over time, so reducing principal sooner can change future interest expense.

Available Cash Can Work Harder

The brochure explains the idea of using available household dollars more strategically rather than allowing them to sit idle.

Normal Spending Continues

H.E.A.P.™ was presented as a strategy that should work around normal household expenses rather than require an extreme change in lifestyle.

Illustrate Before Deciding

The useful question is not what happened in someone else’s example. It is what the strategy may look like using your own numbers.

THE ORIGINAL SMITH EXAMPLE

Keep the example in context.

The brochure included a hypothetical “Smith” household to make the concept concrete. Those numbers belong to that brochure example and should not be treated as a promise of results for another homeowner.

Original brochure assumptions

- $200,000 mortgage balance
- 6.25% interest rate
- 30 years remaining
- $1,231 monthly mortgage payment, excluding taxes and insurance
- $4,500 monthly take-home income
- $2,500 of other monthly bills

11.92 years

Illustrated payoff time in the original brochure.

$160,116

Illustrated interest savings in the original brochure.

What matters today

Your mortgage, income, household spending, debts, and assumptions are different. That is why the modern site puts the emphasis on running an illustration with your own information.

Use your actual mortgage balance and rate
Enter your actual household cash flow
Review the assumptions used
Adjust the scenario as needed

Why we separate the old example:the original brochure used an 11.92-year payoff illustration and $160,116 of interest savings. Other H.E.A.P.™ educational materials use different assumptions and produce different results. The safest way to present H.E.A.P.™ today is to show examples as illustrations and direct visitors to their own numbers.

FROM BROCHURE TO ACTION

Don't stop at the brochure.

The brochure is useful as an introduction, but the site now gives homeowners a much better path than simply reading a static PDF.

Learn the concept, see an example, then move into the quick analysis or Get Started process.

Read the Brochure

Get the original overview and historical example.

Understand the Strategy

Use the redesigned How It Works page for the clearer current explanation.

Run Your Numbers

Move from a generic example to an illustration built around your mortgage.

Decide What Fits

Create an account, get personal help, or continue learning.

READY FOR THE NEXT STEP?

See what H.E.A.P.™ may look like with your mortgage.

The brochure tells the story. Your own numbers are what make the strategy meaningful.