Paidoff™
Homeowner’s Much Faster Loan
Paidoff™ allows you to pay off your home Much Faster than a Traditional Mortgage. Most of our homeowners pay their homes off under 5 years without changing lifestyle. All your mortgage payments go straight to Principal first, not Interest. You only pay Simple Interest, not Compound Interest. You also have complete control and freedom to pay as often as you would like.
The snowball effect allows you to pay off your mortgage super-fast, saving hundreds of thousands on interest.
As a huge bonus, you get an automatic Line of Credit, which allows you to grow your wealth exponentially.
Paidoff™ works in Any Economy
The great thing about Paidoff™ is regardless of the economy or what happens in your life,
you are in complete control and have the flexibility to deal with it without all the stress and feeling hopeless. 
Compare How the Mortgage Balance Drops
Paidoff™ vs Traditional Mortgage
On average, our clients usually pay their homes off in under five years.
The Paidoff™ Much Faster Formula™ shows how this is possible.
With Paidoff™, Interest Rate Does NOT Matter.
What matters is the speed and the loan balance because 100% of your money go to Principal, not Interest. In addition, only Simple Interest is assessed, not Compound and no limit on how often you want to pay. This powerful combination allows your balance to drop Much Faster, leaving your interest rate behind. Click here to read on how Irina was able to beat the banking system and pay off her home in 1.5 years and how you can pay off your home Much Faster too.
How Paidoff™ Outperforms the Traditional Loan
at even the Lowest Rate Ever, 2.65%
Paidoff™ Traditional
30-Year Home Equity Line of Credit, Loan Amount: $400,000, Secured Overnight Financing Rate, (SOFR) initial rate of 4.665%, Loan Margin: 4.00% with initial interest rate of 8.665%. The floor Rate is 3.75%, and the Maximum Rate is 14.665% %, with an average Historical Trend Rate of 6.874%. Credit Score of 700, Monthly Deposit Amount of $10,000, and $4,500 positive cash flow at the end of the month. The average minimum monthly payment is $1,244.96.
Everyone’s results will vary depending on the loan balance, rate, the interest rate assumption, and the money applied to the daily loan principal.
30-Year Fixed Rate Mortgage, Loan Amount: $400,000, with Interest Rate 2.65%. Credit Score of 700 with a required Monthly Principal and Interest Payment of $1,611.86. Amortizing Traditional loans slows progress with principal paydown, adding unnecessary interest expenses, resulting in lost time and money.
In January 2021, the 30-year Fixed Rate Mortgage hit the lowest level ever at 2.65%. Even comparing rates now 3 years later at a much higher rate for Paidoff™ variable rate of 8.665%, Paidoff™ outperforms in every category.
Paidoff™ Comparison Loan’s Effective Annual Percentage Rate, APR, is 1.592 % compared to 2.65% with Traditional. The APR is the actual true cost of the loan. Not only did the lower interest rate Traditional mortgage cost $76,935.11 more in interest cost than Paidoff™, but the homeowner would need a 30-year Fixed-Rate Mortgage at 1.592 % to beat Paidoff™. This rate has never existed and probably never will! Besides accomplishing all this, please do not forget you shaved 23.1 years off your 30-year fixed-rate mortgage.
When you schedule a Free Consultation with us, we will run your numbers to see if Paidoff™ is right for you. You will also receive a 6-page loan comparison to make an informed decision.
Paidoff™ Drastically Outperforms the Traditional Loan
when rates are higher, 7.00%
Paidoff™ Traditional
30-Year Home Equity Line of Credit, Loan Amount: $400,000, Secured Overnight Financing Rate, (SOFR) initial rate of 4.665%, Loan Margin: 4.00% with initial interest rate of 8.665%. The floor Rate is 3.75%, and the Maximum Rate is 14.665% %, with an average Historical Trend Rate of 6.874%. Credit Score of 700, Monthly Deposit Amount of $10,000, and $4,500 positive cash flow at the end of the month. The average minimum monthly payment is $1,244.96.
Everyone’s results will vary depending on the loan balance, rate, the interest rate assumption, and the money applied to the daily loan principal.
30-Year Fixed Rate Mortgage, Loan Amount: $400,000, with Interest Rate 7.00%. Credit Score of 700 with a required Monthly Principal and Interest Payment of $2,661.21.
Amortizing Traditional loans slows progress with principal paydown, adding unnecessary interest expenses, resulting in lost time and money.
Paidoff™ Comparison Loan’s Effective Annual Percentage Rate, APR, is 1.347 % compared to 7% with Traditional. The APR is the actual cost of the loan. Not only did the lower interest rate Traditional mortgage cost $471,591.85o more in interest cost than Paidoff™, but the homeowner would need a 30-year Fixed-Rate Mortgage at 1.347 % to beat Paidoff™. This rate has never existed and probably never will! Besides accomplishing all this, please do not forget you shaved 24.2 years off your 30-year fixed-rate mortgage.
These comparisons validate that the Interest Rate Does NOT Matter with Paidoff™ and Paidoff™ clients Pay Off their Home Much Faster by over 23 years and Win Financially in Every Way!
Paidoff™ 30-Year Line of Credit
Automatic Wealth Accumulation Success
Paidoff™ gives you many financial possibilities. It is the only loan that offers you complete control of your money, not your bank. The extensive Line of Credit is a big opportunity to grow your wealth. You can use it as an Emergency Fund or purchase investment properties to rent out and create passive income. You can invest your funds in any way you desire, with your financial planner and/or with our partner, at a 12% or 15% Guaranteed Rate of return. The possibilities are endless.
