Some High-Income Homeowners
May Be Overpaying
Their Mortgage Every Year.
The HomeSelect All-in-One isn't a refinance trick. It's a first-lien mortgage that works like a checking account — and for qualified borrowers, the interest savings* may be significant.
* Interest savings vary based on borrower behavior, loan terms, and market conditions. All loans are subject to credit and underwriting approval.
Your Conventional Mortgage May Be Working Against You
For high-income borrowers, cash flow matters. When income comes in and sits in a standard checking account, those dollars generally do not reduce the mortgage balance used to calculate interest.
HomeSelect All-in-One is designed to help qualified borrowers use their everyday cash flow more strategically by combining mortgage and checking features into one integrated lending structure. Potential interest savings and loan payoff timing will vary based on individual circumstances, account activity, and program terms.
* Interest savings vary based on borrower behavior, loan terms, and market conditions. All loans are subject to credit and underwriting approval.
| Feature | Conventional 30-Year | HomeSelect All-in-One |
|---|---|---|
| How interest accrues | Monthly on full balance | Daily on outstanding balance |
| Your income | Sits idle in bank account | Works against mortgage daily |
| Prepayment penalty | May apply | None |
| Access to equity | Refinance or sale required | 30-year draw access |
| Loan amounts | Limited | Up to $6 million |
It Works Like a Checking Account.
It May Save You More Than A Traditional Mortgage.
Three steps explain how qualified borrowers use the HomeSelect All-in-One to potentially reduce interest over time.
Your paycheck goes in
Your direct deposit hits the HomeSelect account — the same way it would any checking account. You pay bills, use your debit card, write checks — nothing changes about how you manage your day-to-day finances.
Your balance offsets your mortgage daily
Every dollar sitting in your account may reduce the balance on which interest accrues — every single day. The more you keep in, the less interest you pay over time.*
* Results vary based on individual cash flow, loan amount, and market conditions.
Your loan pays down quicker
Because you're paying less interest, more of every payment may go toward principal. The result may be a shorter loan term and potential interest savings over time.*
* Interest savings vary based on borrower behavior, loan terms, and market conditions. All loans are subject to credit and underwriting approval.
Is the HomeSelect All-in-One Right for You?
This product is not for everyone — and that's the point. It's designed for borrowers who have demonstrated financial discipline and want their mortgage to reflect it.
You may be a strong candidate if…
- Your FICO score is typically 700 or above (720+ for investment properties)
- You have consistent positive monthly cash flow
- You're purchasing or refinancing a primary home, second home, or investment property
- Up to 90% max LTV: Primary home, purchase or rate/term refi
- Up to 70% max LTV: Investment property, purchase or rate/term refi
You may not be the right fit if…
- Typically maintain lower account balances
- Have inconsistent income or limited reserves
- Prefer a very traditional fixed payment structure
- Do not want to actively manage your cash flow
- Do not meet credit, income, or underwriting requirements
Guidelines shown are general and subject to change. Qualification depends on credit, income, assets, property type, and underwriting criteria. Not a commitment to lend.
Ready to See What You Could Save?
A 15-minute call is all it takes to run your personal comparison and find out if you may qualify. There's no obligation and no cost to explore your options.
Licensed loan officers personally review each qualification — discovery call slots are limited to ensure each borrower gets the full picture.
