Why I Was Angry Enough to Create This
When I got my first mortgage, I did what everyone else does. I smiled and signed the 25-year papers. Then I looked at my statement.
“I’m working this hard… and most of my house payment doesn’t even go toward my house.”
I felt trapped. So I started digging. I discovered that mortgages are front-loaded with interest on purpose. Then I discovered a different tool: the Home Equity Line of Credit (HELOC).
Not a “second mortgage to blow on a kitchen remodel,” but a first-lien HELOC strategy that lets you use simple daily interest math to crush the balance. I didn't earn more money. I just changed where my money flowed. My payoff date dropped from 25 years to under 7.
That's why I wrote this ebook—so regular homeowners can finally see the game the banks are playing and learn the simple system that flips the script.
