The honest comparison between an All In One Loan and prepaying your mortgage.
Answer 9 questions about your loan and monthly cash flow. Mike Wise runs the numbers himself, showing side-by-side exact interest costs and what you really pay for liquidity.
Featured Explainer
Pay off your mortgage in 10 years? All-In-One Loan Explained!
All In One Loan Video Library
Mike Wise breaks down how the All In One Loan works, compares strategies, answers top questions, and shows real client scenarios.
The ALL IN ONE LOAN EXPLAINED
In this 20-minute breakdown, Mike Wise shows how income deposits act as instant principal reduction while remaining 100% accessible like a checking account.
Pay off your mortgage in 10 years? All-In-One Loan Explained!
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Have questions about a specific video scenario?
Answer the 9 QuestionsHow it works
You answer. Mike does the math.
No calculator wrestling required. Tell Mike about your loan and monthly cash flow, and he'll build your honest side-by-side report: change nothing, prepay on your current loan, or go All In One.
Answer nine questions
Balance, rate, payment, income, leftover monthly surplus, savings, and loan details. Takes under 2 minutes.
Mike runs the comparison
Same lump sum, same surplus across three paths. Mike calculates total interest costs and breaks down the trade-offs.
You decide, eyes open
Prepaying wins purely on interest risk. The All In One buys access to your money. Mike gives you clear clarity.
What has to be true
The honest fine print, up front
The rate moves
The All In One rate is monthly adjustable. It floors low and can rise to a stated cap — which would reduce or eliminate any benefit.
It needs the surplus
Every figure assumes your monthly surplus is deposited every month, without interruption. Interrupt it and the timeline stretches.
Access, not a balance
Your lump sum comes back as available credit, not a deposit. A line of credit can be reduced or frozen under the loan agreement.
The free alternative
The same money on your current loan costs nothing and has no rate risk — but once it's in the walls, getting it back means a refinance.
A Message From Mike Wise
"Here's what I love about this: you have two genuinely good ways to put your money to work. Prepaying your current loan is the simple win — straightforward, no rate risk, and it shrinks what you owe. The All In One gives you that same payoff speed while keeping your money within reach — deposit your income, let it chip away the balance daily, and write a check against it whenever life asks. The right answer is the one that fits how you actually live. Send me your numbers and I'll show you both paths, side by side — then you decide with your eyes open."
Nine questions, then Mike takes over
Fill out the form and Mike will run your personalized comparison report personally and reach out within one business day.
- 1Loan balance
- 2Interest rate
- 3Monthly payment (P&I only)
- 4Income into checking each month
- 5What's left at month's end
- 6Any savings / CD account
- 7How long you've had the loan
- 8Value of your house
- 9Credit score range & occupancy