H.E.A.P.™ TECHNOLOGY

Turn the strategy into your numbers.

H.E.A.P.™ software takes the mortgage-acceleration concept off the page and turns it into a working illustration based on real household cash flow, debt, and mortgage information.

Your H.E.A.P.™ Illustration

Mortgage

Your balance

Cash Flow

Your budget

Strategy

Your plan

Result

Your scenario

Mortgage balance over time

SEE IT WORK

Watch the H.E.A.P.™ software in action.

The original instructional video walks through the software and shows how financial information is used to illustrate the H.E.A.P.™ strategy.

ONE STRATEGY. TWO WAYS TO USE IT.

Choose the experience built for you.

The professional software and homeowner experience serve different needs. You should not have to figure out which old software or app page applies to you.

FOR HOMEOWNERS

I want to use H.E.A.P.™ for myself.

Start with the consumer experience. You can learn the strategy, run a quick illustration, and create your H.E.A.P.™ account without needing professional advisor software.

Use your own mortgage information
Organize household income and expenses
See how the strategy may affect your payoff path
Adjust information as your situation changes

FOR FINANCIAL PROFESSIONALS

I want to illustrate H.E.A.P.™ for clients.

The advisor software is intended for professionals who want to demonstrate H.E.A.P.™ and work through client budgeting and mortgage scenarios.

Financial planners and advisors
CPAs and tax professionals
Insurance professionals
Mortgage professionals and Realtors

FROM IDEA TO ILLUSTRATION

What the software helps you do.

Enter your household numbers

Mortgage details, income, debts, recurring expenses and everyday cash needs provide the foundation for the illustration.

Model the H.E.A.P.™ Strategy

The software organizes the information so you can see how available cash flow may be applied more efficiently against mortgage debt.

Review the Scenario

Compare the illustration, understand the assumptions, and decide whether the strategy makes sense for your household.

Important: H.E.A.P.™ illustrations are based on the information and assumptions entered. They are planning scenarios, not guarantees of a particular payoff date or interest savings.

THE BEST PLACE TO START

Don't begin with software. Begin with your mortgage.

Run a quick H.E.A.P.™ illustration first. If you want to continue, the site can then guide you into the homeowner account or professional advisor path.