Two Brothers

This is a story of two identical brothers who took different paths

They both started with 25 years remaining on a low rate mortgage. One brother learned about the AIO HELOC. Talked to the other brother about the product.

One brother decided to change the structure of his cash flow and understood the impact of paying simple interest versus amortized front loaded interest. Unknown to the brother that decided not to change his loan structure to the AIO, the AIO kept on the path of the AIO.

AS the AIO brother watched his principal dramatically reduce each month and ultimately payoff much sooner he kept his AIO structure a secret from his brother.

Finally 25 years later the AIO brother and the conventional 30 year fixed brothers rejoiced. Happy to have their homes paid off. At that moment the AIO brother said to his brother "I actually paid off my home years ago. Actually almost 2 decades ago". The conventional 30 year low rate fixed brother looked perplexed. The AIO brother said "additionally I took the principal and interest payment we both were paying and on the 1st month after paying off my loan I invested that amount for the remainder of the years until that 25th year and now have almost $1.2m in an Investment account plus the paid off home". The 30 year low rate brother realized at that moment the devastating effect of of his decision to not change the structure of his low rate 30 year into the simple interest All In One.

What The AIO Delivers

  • Paying Off Your Home Decades Faster

  • Investing What Was The 30 Year Payment for The Years Difference

  • Having Liquidity and Access To Your Equity Over

  • Peace of Mind

  • Security

  • Opporunity

  • Options

Testimonials

Jasmine Richards

Really smooth process getting my first home with Epiq Lending's FHA loans. Their team was super helpful, making it way easier than I expected!

Monica Chandler

Explored various lenders before settling on Epiq. Their FHA loans and refinancing options truly stood out—straightforward, with terms better than expected. Highly recommend checking them out.

Thomas Krazinski

Used Epiq's VA loans—straightforward process, zero down. Smooth sailing from start to finish. Calm way to handle big decisions.

FAQs

Got Questions? We've got clear, straightforward answers for your mortgage concerns.

What documents do I need to apply for the All In One?

Youll need proof of income, tax returns, credit history, and identification documents.

How do I know if the All In One is right for me?

Our mortgage specialists will assess your financial situation and goals to recommend the best mortgage type.

How can I find out how fast I can be mortgage free ? And how much I will save with the All In One?

Simply call or schedule a 15 minute free consultation and you will learn exactly how powerful the All In One is and how fast your mortgage is paid

What are the benefits of the All In One loan?

Benefits include lowering your monthly payments, cutting interest rates, and altering your mortgage term.

Are there any upfront fees with the All In One?

VA loans do not require a down payment, but there is a VA funding fee which can be financed along with the loan amount.

How long does the loan application process take?

The process can vary from a couple of weeks to a month.