For Financial Advisors
For many clients, the mortgage is the largest drag on investable cash flow. Here is one alternative structure.
The Largest Line Item You Don't Manage
At an example rate of 6.25% (not a quote), a $600,000 mortgage costs your client $3,694/month for 30 years — $729,949 in total interest. That's $44K/year locked into housing during their prime earning and compounding years. The All In One Loan™ (AIO), a first-lien HELOC, can change that math for clients with steady surplus.
Watch the Briefing: How the All In One Loan™ Creates Portfolio Capacity
An 8-minute briefing on the mechanics, the math, the rate-risk analysis, and the suitability screen — built for advisors, not consumers. Watch on YouTube.
Nine Questions Advisors Ask
Nine questions financial advisors ask about the All In One Loan™, answered in order with the numbers on screen, including what happens if rates rise, three ways, and whether a client will qualify. Sample rates in a what-if model, not a rate quote or a promise to any borrower. Not investment advice. Watch on YouTube.
The Advisor's Edge
- Free Up Client Cash Flow: In the example above, the mortgage takes $44K a year for 30 years. With steady surplus, the AIO can pay off sooner and free that cash flow earlier; results depend on the client's numbers and the rate path.
- Grow Your AUM: Every dollar freed from mortgage payments is a dollar available for your management.
- Maintain Client Liquidity: Unlike extra payments on a fixed mortgage, every dollar paid into the AIO remains accessible on the line — no refinance needed to access equity.
- Holistic Financial Planning: Position yourself as the advisor who optimizes the full balance sheet — not just the investment accounts.
How the All In One Loan™ Works
- Paycheck Deposits: Full income deposits into the line, immediately reducing the balance.
- Balance Drops Daily: Interest is calculated on the average daily balance — every idle dollar saves interest.
- Bills Paid as Usual: The client pays expenses from the same account. The balance rises only when money is spent.
- Surplus Retires Principal: The gap between income and spending automatically accelerates payoff — no extra effort.
The All In One Loan™ is a variable-rate first-lien HELOC tied to an index plus a fixed margin. Suitability is narrow: it fits households with a genuine monthly surplus and stable deposits. Jay Miller, NMLS #657301, CMG Home Loans, runs the official simulator on each client's real numbers and returns a personalized comparison with every assumption on the page.
All In One Loan™ is a trademark of CMG Financial.