FrugalMe.com^®

Ordinary home loans pay interest first, at the end of the month. What’s left over goes toward principal reduction in an amortization scheme called “paying interest in arrears.”

Home Ownership Accelerator^® is the only home loan that pays principal first, throughout the month, every time you make a deposit.

(Between deposits, you go about your usual routine of paying expenses and accessing cash out of your Home Ownership Accelerator^® account, like you would from any checking account or ATM).

Home Ownership Accelerator^® interest is paid last, at the end of the month, on your cash-flow-reduced, average-daily-principal balance.

The cumulative effect over time of lowering average-daily-principal balance can cut the thirty-year term of a mortgage-based Home Ownership Accelerator^® account in half or less, and save you hundreds of thousands in unnecessary interest compared to the best thirty-year fixed-rate loan available. … Without change to your spending habits!

The loan-life shortening, rapid equity-building, cash-flow impact on principal and interest given rise by Home Ownership Accelerator’s^® unique approach to home financing is what FrugalMe.com^® contemplates in its pithy slogan Cashing In on Cash Flow^®.