A smarter way to use the money already moving through your life.
The concept is surprisingly simple.
Most homeowners think about their mortgage once a month when the payment is due. But interest is affected by the outstanding balance over time. H.E.A.P.™ focuses on using available dollars strategically so more of your financial effort works toward reducing mortgage debt.
Put idle cash to work
Money sitting in a low-yield checking account may be doing very little for you. H.E.A.P.™ looks at whether available dollars can work harder against mortgage debt.
Reduce principal sooner
Preserve your lifestyle
The strategy is designed around your existing income and expenses rather than assuming you will dramatically change the way you live.
Mortgage interest keeps working month after month.
Your payment may arrive once a month, but the cost of carrying a mortgage balance continues over time. When principal can be reduced sooner, there is less outstanding balance available for future interest to accumulate against.
That is the basic timing idea behind H.E.A.P.™: put available household dollars to work against mortgage principal earlier, while continuing to meet normal household expenses.
The important point: H.E.A.P.™ is not about skipping bills or radically changing your lifestyle. It is about changing when available dollars work against the mortgage balance.
01
Income enters the household
02
03
04
05
What could the difference look like?
The existing H.E.A.P.™ example uses a hypothetical dual-income household to illustrate how the strategy can affect a mortgage. These numbers are illustrative and individual results will vary.
Illustrative example based on assumptions used in existing H.E.A.P.™ educational materials. It is not a guarantee or projection of results for any particular homeowner.
Want to see your H.E.A.P.™ numbers?
Start with your actual mortgage and household cash flow and see what the strategy could mean for you.