What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.

Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.

Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.

Chapters:

00:30 - Intro

03:30 - Core philosophy

06:35 - Velocity banking overview and All-in-One simplification

09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking

17:10 - Debit card strategy and credit card optimization

18:55 - Property eligibility: primary, secondary, and investment properties

24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers

26:20 - Psychological shifts: gamifying debt payoff and spending discipline

28:30 - Payment structure: no fixed payments, interest-only charges

30:15 - Emergency flexibility and foreclosure protection advantages

32:05 - Mental shifts and debt payoff gamification

34:50 - SOFR-based interest rates: monthly adjustments and margin selection

40:25 - Traditional mortgage front-loading and total interest percentages

42:00 - Harrison's philosophy on 30-year mortgages as entry tools

44:35 - Brian's IBC integration: using equity for premium payments

46:05 - Practical applications: cars, college, rental properties

1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com

1:09:10 - Future case study possibilities and closing thoughts

Key Takeaways:

All-in-One Loan Mechanics:

• Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges

• 80% loan-to-value maximum with no traditional monthly payments, only monthly interest charges

• SOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)

• 700+ credit score for primary/second homes, 720+ for investment properties

• Minimum 20-25% down payment depending on property type

• 10-15% reserves of line of credit amount in liquid assets

• Positive monthly cash flow of at least 15% of net income

• Provides control and flexibility unavailable in traditional mortgages

• Enables strategic use of home equity for wealth-building activities

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!

Visit https://remnantfinance.com for more information

Harrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.com

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