Not many homebuyers think beyond the traditional 30-year, fixed-rate mortgage. To be fair, Americans have been sold on the idea for decades. Many people simply don't know what else is out there.

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If you are new to the home buying process, you may not be familiar with how amortization works. With amortization, the total interest due is calculated before repayment begins and divided across 360 months—but it's not divided evenly. On a traditional 30-year mortgage, you'll spend the first 11-15 years paying more in interest than reducing your principal balance.

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What if there was no amortization schedule at all? What if every month, rather than paying mostly interest, your hard-earned money was applied to the principal balance first? Then interest could be calculated on a lower amount with each passing day. You could save tens of thousands in interest, and pay off your loan in half the time.

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Introducing the All In One Loan™. It's a purchase (or refi) mortgage combined with a secured checking account that acts like a HELOC, allowing you to withdraw from your equity 24/7. Every deposit to your checking reduces your principal balance, allowing you to accelerate your repayment on your own terms. It's similar to offset mortgages, usually only available to private banking clients or in other countries. Now, the All In One Loan™ is available to you.