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H.E.A.P - Home Equity Acceleration Plan

We believe asset protection is growing your net worth as well as protecting it. If you have been around the money game awhile you have undoubtedly heard of the Rule of 72. The Rule of 72 is a simple way that will show you how many years it will take to double an investment by dividing the annual rate of return into 72, which results in the number of years it will take to double your initial investment.

For example, if you invest $100 at 5% it will take you approximately 14.4 years to turn $100 into $200. Why is this example so powerful? The answer is because the numbers when put to work for you can do amazing things.

Einstein was once quoted as saying The most powerful force in the universe is compound interest .

Paying off debt is not the same as compounding interest in an investment but using power of numbers you can payoff your 30 year mortgage in 11 years. If you have an interest the Home Equity Acceleration Plan may be right for you.

If you had the opportunity to pay off your mortgage 5, 10, 15 years early, save in excess of $100,000 in mortgage interest payments, and you could do so WITHOUT changing your current spending habits WOULD YOU?

Every month millions of people write out their mortgage check dreaming of the day when they will send their last one. Unfortunately that day is often 20 years or more down the road. Every month these same people try to figure out how to send a few extra bucks a month to their lenders to reduce the time it takes, even if it's only a few months. Many people enter into "bi-weekly" plans that take off a few years. But there is a better way, and it is called the Home Equity Acceleration Plan (H.E.A.P.).

Charts show that using H.E.A.P. can pay off debt on a home in less than 11 years instead of 30 years, which is what people typically do. WHAT WOULD YOU RATHER DO? Learn the power of H.E.A.P. and you will "see the light," and will want to join the revolution of people paying off the debt on their home years early.

How H.E.A.P Works

To really get a handle on what H.E.A.P. can do for you Click here for a PowerPoint Presentation from the creator of H.E.A.P.

If you are interested in purchasing a $199.95 HEAP assessment for your Home mortgage, please click here.

Register for more HEAP related information

Purchase $24.95 the latest H.E.A.P. book from author Roccy DeFrancesco, J.D., CWPP (TM) , CAPP (TM) , MMB (TM)

The concept behind H.E.A.P is really very simple and is based on the following principals:

  • Having a monthly balance in a checking account is NOT a good idea. (Money in a checking account earns you zero or very little interest, and that interest is taxed annually).


  • It is always best to use all available dollars ALL THE TIME to pay down the debt on your home.


  • A good home equity acceleration plan will NOT require you to alter your spending habits.


  • Understanding the following will help you understand the basics of H.E.A.P.


  • Your bank or mortgage lender charges you interest on a daily basis (many people think of mortgages as a monthly expense when it is really a daily expense).

If you can figure out a way to reduce your daily interest charges you can save a large amount of interest paid over the life of a loan.

H.E.A.P is very simple in that the program shows you how to use every available dollar you have ALL THE TIME to pay down debt on your home mortgage.

When you use every available dollar to pay down your debt at ALL THE TIME your daily interest charges are reduced and doing so over the life of a loan has a tremendous compounding effect. This compounding effect will help you reduce the term of your loan by several years and save thousands of dollars in interest.

Dont believe it?

Look at the following real world example for a typical American couple.

Mr. Smith and Mrs. Smith earn $3,000 collectively twice per month as their take home pay (after tax pay which equates to $72,000 after tax in a dual income household). Assume they have a $250,000 house with a $200,000 mortgage balance. Assume the interest rate on the loan is 6.25% loan with a payment of $1,539 a month (without taxes and insurance). Assume the loan has 25 years remaining. Further, assume that their monthly bills (not including the mortgage) are $3,000 a month.

How long would it take the Smiths to pay off their mortgage using H.E.A.P?

9.66 years!

How much would the Smith's save in interest expenses over the life of the loan using H.E.A.P?

$261,700!

If the above numbers do not get your attention, nothing will.

H.E.A.P is simple, does not require you to change your lifestyle, and can save the average client well over $100,000 of interest and shave in excess of 10 years off the term of a mortgage.

What is the above worth to you? Sure, $261,700 over the now shortened life of the loan if you are exactly like the Smiths.

  • Is getting advice and software to implement H.E.A.P worth $10,000? Is it worth $5,000? Is it worth $3,500?
  • Youll be pleasantly surprised to learn that if you use a H.E.A.P trained advisor they, by agreement, can NOT charge you more then $1,000 for the advice and that includes giving you access to your own H.E.A.P software for the first year.
  • If you are an advisor reading this page, Im sure you understand that you can benefit by using H.E.A.P yourself, but think of how many of your clients you can help save hundreds of thousands of dollars.
  • If you are sufficiently primed to learn how you can use H.E.A.P to benefit you, please click here to fill out a form and someone will contact you with more information and how you can get started.
  • Purchase $24.95 the latest H.E.A.P. book from author Roccy DeFrancesco, J.D., CWPP (TM) , CAPP (TM) , MMB (TM)
  • If you would like to purchase for $199.95, a 3 page HEAP assessment and an exact guide for taking steps today to payoff your mortgage in 5,10 or even 15 years early, click here.

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Advisors Section

If you are an advisor looking to learn about HEAP click here to REGISTER.

Purchase $24.95 the latest H.E.A.P. book from author Roccy DeFrancesco, J.D., CWPP (TM) , CAPP (TM) , MMB (TM)

If you are an advisor interested is using The H.E.A.P software you can purchase it from this link, Purchase H.E.A.P software.