When it comes to the numbers, there’s simply no comparison between paying extra on a mortgage and using a properly structured line of credit. The math is the math—it doesn’t care about feelings or opinions. Yes, paying extra on a mortgage helps, but it’s slower, less efficient, and locks up your money. With a line of credit strategy, you not only accelerate your payoff faster but also maintain liquidity, meaning you can access capital instantly for opportunities or emergencies. The truth? Extra

This isn’t debt relief. It’s not payment reduction. And it’s not something that works for everyone. We teach homeowners how to replace a traditional mortgage with a properly structured line of credit, then apply income directly against the balance to change how interest accrues over time, which can save a lot in interest and accelerate your payoff timeline. If your monthly income doesn’t exceed your current expenses, the payoff timeline won’t accelerate. That’s not opinion — it’s math. That’s wh