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

Advisor Section

Home Equity Acceleration can be a valuable part of an estate plan and provide further options for asset protection once applied.

• Mortgage Acceleration, 5 – 10 – 15 years faster with mortgage payments
• Easily save a hundred thousand or more dollars on the average mortgage
• Clients use interest to their benefit with a HELOC or basic checking account
• No risk, no loss of control
• No tricks, no gimmicks or risk
• Compounded formulas calculated by tax professionals, written by attorney Roccy DeFrancesco, JD, CAPP, CWPP, MMB, author of H.E.A.P. ™.

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

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.

Once you purchase the software you will be sent a registration link.

Why use H.E.A.P. ™ ?

• Price designed for advisors to gain revenue from consulting or be able to efficiently used for add on services!
• Ghost website available with YOUR NAME and YOUR COMPANY! Call for Pricing. 888-916-7070
• Support from the top experts in the country.

See Our FAQ area for Specific Questions

H.E.A.P. ™ is the opportunity for advisors to add value to their rendered services providing assistance to clients to pay off their mortgage. Whether you are an Estate Planner, Financial Planner, Tax Planner, attorney or accountant you can show your clients how to benefit from their own money.

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 help your clients "see the light," and join the revolution of people paying off the debt on their home years early.

Question: How do I explain to my clients what HEAP is and how it works?

Answer: You will have the link to the Power Point on your site and all videos and updates that we do. The Power Point and video is explanatory. Click here for a PowerPoint Presentation

Question: How do you recommend that I use H.E.A.P. ™ with my clients?

Answer: There are several ways to use H.E.A.P. ™. The first way occurs with a person who has purchased the CALCULATOR for advisors. You can input your client’s numbers for a fee (we suggest $199 for the analysis and if your client requires a consultation in setting up the HELOC and checking account we suggest another $100 to $250.00).

A convenient way of accomplishing the above process is to purchase the ghost site, with your name and company information and direct clients to the site.

The second way of accomplishing this is to use a value added product to your existing services in tax planning, estate planning or mortgage sales. You can offer an analysis with your service as a competitive edge.

Question: There are multi-level companies selling similar products. Wouldn’t it be better to sign people up and get residual income?

Answer: We do not recommend untrained and unqualified people selling any financial products. What we do recommend is that clients use top-notch professionals and get the best advice and consulting possible. We do not feel that this is attainable with a multi-level company and the products are not cost efficient because your money goes to a downline while you wait for them to sell so you can get residual income.

Question: Do I have to have a HELOC?

Answer: No, you can use a regular checking account with an overdraft feature. A HELOC (Home Equity Line of Credit) accelerates the process. To use a HELOC you must have equity in the home.

Question: Will this require a lot of time with my clients?

Answer: Surprisingly it does not require a lot of time. One reason clients may need to be consulted is that when using a HELOC and paying it off, they have to input the new numbers into the calculator.

Question: How is the information maintained for updates with my clients?

Answer: Information is maintained in a database, therefore you only have to make changes when you recalculate. You can print a 3 page summary and give a professional presentation to your clients. This way you can quickly input any new or updated financial information necessary.

For FAQ information on “How it Works” Go to Client/User FAQ

So Why H.E.A.P™? Is it worthwhile?

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. However, there is a better way, and it is called the Home Equity Acceleration Plan (H.E.A.P.™).

How H.E.A.P™ Works

Now you can purchase personal access to your own site, to set up your personal Home Equity Acceleration Program for your clients.

The concept behind H.E.A.P™ is 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).

The Benefits - a way to reduce your “daily” interest charges you can save a large amount of interest paid over the life of a loan

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

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

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.

Don’t 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.

For general questions, you can e-mail info@trustmakers.com