← All scenarios
· Scenario 08 · All-In-One

How fast would the All-In-One really pay off my house?

Real surplus wobbles. Fifteen hundred runs give you the range, not one date.

Scenario 08

How to use it

  1. Enter your balance, the All-In-One rate, and what is left over in a typical month after everything.
  2. Say how steady that number is: steady, varies, or lumpy.
  3. Read the most likely payoff, the range around it, and the odds of finishing inside fifteen or twenty years.
· The calculator

How fast does it pay off, honestly?

The All-In-One lives on what is left over each month, and real months are not all the same. This runs the loan fifteen hundred times with a surplus that wobbles the way yours will, and shows the whole range, not one flattering number.

How steady is that number?
· The range
…

Illustration, not an offer. The All-In-One Loan is a first-lien home equity line of credit with a variable rate; this holds the rate fixed at the figure you set. The comparison line is a standard 30-year fixed at 6.5% with nothing extra paid. Results depend on income, balances, and spending patterns. APR varies. Subject to credit approval. The All-In-One Loan is a product of CMG Financial (NMLS #1820), offered through EPiQ Lending.

The reasoning behind it

Scenario 01 assumes the same surplus every month. Real life does not. This tool runs the loan fifteen hundred times with the surplus wobbling the way you described, including withdrawals in the lumpy setting, and reports the spread instead of one date.

If the range is wide, the honest answer is that it depends on your discipline, and that is worth knowing before you choose the loan.

· Questions left?

Ask me directly.

Six quick taps tell you which loan I’d start with, nothing pulled, nothing saved. Or text me and we start there. I read every text myself, usually within minutes during the day. About your numbers, or anything else.

Find my program →