WealthBuilder:

The All-In-One Loan Strategy for Fast Equity

Your mortgage.

Your bank account.

One powerful product.

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ARE YOU READY TO BUY A HOME?

Colorado offers a wide array of home options to fit every situation and budget. Take our quick survey below to find out exactly what is the best solution for your family.

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A mortgage that works as hard as you do

The Wealth Builder HELOC combines your home loan and your checking account into one product. Every dollar you

deposit works to lower your outstanding balance — and since interest is calculated daily on whatever you

owe, less balance means less interest, starting the very next day.

How your money moves

1. Deposit your income Your paycheck or any deposit goes directly into your Wealth Builder account — just like a regular checking account.

2. Your balance drops That money immediately reduces your outstanding mortgage balance. Since interest accrues daily, you pay less interest starting the very next day.

3. Access funds anytime Your available credit grows as your balance drops. Need money for a bill or expenses? Draw from the line whenever you like — no refinancing is required.

THE BOTTOM LINE

The more surplus income flows through your account, the more interest you save — and the faster you build equity.

Borrowers who actively use the account can pay off their home in significantly less time than a traditional 30-year mortgage.

Wealthbuilder -

A Better Alternative to the

All-In-One Loan

ONE PRODUCT, THREE PROPERTIES

Primary Residence: Use the Wealth Builder HELOC as your primary home loan.

Second Home: Finance a vacation or second property the same smart way.

Investment Property: Put your investment property's equity to work.

A borrower can hold up to three Wealth Builder HELOCs simultaneously — one on each property type — up to $3,500,000 in combined loan amounts.

APPLY NOW and GET PRE-APPROVED

Wealthbuilder FAQ's

Do I have to change how I bank?

Not necessarily. Some borrowers route all of their income and expenses through the Wealth Builder account to maximize

savings. Others take a hybrid approach — keeping their existing checking account and simply transferring surplus funds

periodically. Both work. The more actively you use the account, the greater the benefit.

What happens if I need to use money I've paid down?

Your available credit grows as your balance drops so if you need funds for home improvements, an emergency, or any

other purpose, you can draw from the line at any time without refinancing. The credit limit remains fixed for the first 10

years of the loan.

How is the interest rate determined?

Your available credit grows as your balance drops so if you need funds for home improvements, an emergency, or any

other purpose, you can draw from the line at any time without refinancing. The credit limit remains fixed for the first 10

years of the loan.

How fast can I realistically pay off my home?

It depends on your income, your spending habits, and how actively you use the account. Borrowers who consistently

route surplus income through the account can pay off significantly faster than with a traditional 30-year mortgage and in

some cases in half the time or less. Your loan officer can model this out for your specific situation.

Is there a minimum amount I must draw at closing?

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Can the interest be tax deductible?

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Is the WealthBuilder better than a traditional 30-year mortgage?

If you've heard of the All-In-One loan from CMG, the WealthBuilder works on the same powerful 'sweep' principle—using your daily deposits to offset your principal balance immediately and possibly pay down your loan in a much shorter period of time.

How does the WealthBuilder compare to the CMG All-In-One loan?

Both products are first-lien HELOCs that utilize a "sweep" strategy to offset interest. The WealthBuilder is designed to give you the same interest-saving power—turning your mortgage into a checking account—while providing the personalized service of a local Colorado Springs expert. It’s about more than just a loan; it’s a dedicated wealth-building strategy.

Do I lose access to my money if I pay down the principal?

Not at all. That is the "magic" of this product. Unlike a traditional mortgage where money paid toward principal is "trapped" until you sell or refinance, the WealthBuilder keeps your equity liquid. Your available credit line grows as your balance drops, allowing you to draw funds 24/7 for expenses, investments, or emergencies without a new loan application.

How much can I actually save in interest?

Because the WealthBuilder calculates simple interest daily rather than compounding it monthly (like a 30-year fixed loan), the savings are massive. Most homeowners who route their full income through the account find they can pay off their home in 8 to 12 years instead of 30, saving hundreds of thousands of dollars in interest charges over the life of the loan.

Ready to Start?

Apply for the Wealthbuilder

Stop Wasting Money on Amortized Interest: Why the WealthBuilder Loan Beats a Traditional 30-Year Mortgage

Are you tired of making mortgage payments that seem to barely scratch the principal balance? For decades, the traditional 30-year amortized loan has been the only standard. But a powerful financial strategy—often called an "All-In-One loan" or "mortgage sweep account"—is changing how savvy homeowners build equity. If you’ve heard of the All-In-One loan from CMG Mortgage, the WealthBuilder works on the exact same principles, putting you in control of your debt, not the bank.

Here’s the problem with a traditional mortgage: Your interest is front-loaded. In the early years, nearly every dollar of your payment goes toward interest, not the principal.

The WealthBuilder / AIO Solution: Simple Interest & Instant Velocity

The WealthBuilder combines your home loan and your primary checking account into one product: a first-lien HELOC (Home Equity Line of Credit).

Your paycheck goes in: When you deposit your income, your mortgage principal is immediately reduced by that amount.
Simple interest is calculated daily: Unlike amortized loans, interest is calculated nightly based on your current balance. Because your balance drops immediately upon deposit, you pay less interest starting the very next day.
Your money remains accessible: Your available credit grows as your balance drops. Need to pay bills? Use your WealthBuilder account just like a checking account. You can draw from the line 24/7 without refinancing.

By leveraging the "velocity of money"—keeping your idle cash working to offset your principal—borrowers can shave years off their payoff timeline and save tens of thousands in interest without changing their spending habits.

Ready to see how fast you could be mortgage-free? Apply now to see if the WealthBuilder AIO strategy is right for you.