NMLS# 1938264
FREE LIVE TRAINING - WEDNESDAY, APRIL 30, 2026 AT 7:00 PM PACIFIC
A 90-minute live session for homeowners with a mortgage of $300,000 or more who are tired of watching the bank keep most of every payment.
On a $500,000 mortgage at today's rates, a homeowner pays roughly $637,000 in interest over 30 years. There is a licensed first-lien mortgage product, available in 49 states, that can cut that number roughly in half - using money that is already sitting in your checking account. This training shows you exactly how it works, whether it's right for your situation, and - honestly - when it isn't.
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Wednesday, April 30, 2026 at 7:00 PM Pacific. Free live training.
Agenda
This isn't a product pitch. It's a working session on the actual math behind your mortgage - and the structural product that changes it. Here's what's on the agenda.
Why 78% of your first mortgage payment disappears into interest - and the single structural change that flips the ratio. You will see the exact amortization numbers live on screen. Most homeowners have never looked at this. After tonight, you won't be able to unsee it.
How the idle cash sitting in your checking account - money you've already earned but haven't spent yet - could be working against your mortgage balance 24 hours a day, 7 days a week. No extra payments. No lifestyle changes. Just a different account structure.
Whether this strategy actually fits your household. We'll show you the one question that tells you in 10 seconds. If you fail it, we'll tell you plainly - and we'll point you toward what does work.
Real numbers
Abstractions don't sell. Specifics do. Here's the scenario we'll walk through live, using numbers that match a real American household.
The Household
In a standard 30-year fixed mortgage, that $3,000 monthly surplus sits in a checking account earning a fraction of a percent while the mortgage charges 6.5% on the full balance. The surplus does almost no work. Over 30 years, the household pays roughly $637,000 in interest and owes nothing until the very end of year 30.
In an AIO loan - with the exact same income, the exact same expenses, and the exact same spending habits - that surplus is embedded directly in the loan balance from the day the paycheck is deposited. Interest is calculated nightly on a continuously lower number. The household pays off the mortgage in roughly 10 years and saves more than $450,000 in interest over the life of the loan.
Same income. Same expenses. Same discipline. A different structure. The AIO does not require extra payments or behavioral change. It captures the value of your natural cash surplus automatically - simply because your paycheck lives inside the loan instead of across town in a different account.
Illustrative example only. Based on historical rate averages and assumes consistent income and spending. Actual results vary based on rate environment, individual financial profile, and spending patterns. Not a guarantee of savings or loan offer. See full disclosures at the bottom of this page.
Rate risk
The AIO is a variable-rate product. Anyone who's been paying attention over the last few years is going to ask the obvious question: what happens if rates climb?
Fair question. Here's the honest answer: rates move in both directions, and in a traditional 30-year fixed, you are locked into paying a very large amount of interest regardless of what the market does. Even in a meaningfully higher rate environment, an AIO household with steady positive cash flow still outpaces a 30-year fixed by tens - often hundreds - of thousands of dollars in interest savings, simply because the structure puts every idle dollar to work against the balance every single night.
We'll walk through the exact rate-stress scenario on the training. You'll see what the numbers look like if rates stay flat, if they rise two full points, and if they fall. The math holds up in all three.
This is not a "hope rates go down" strategy. It's a structural strategy that works in any rate environment - provided you have positive monthly cash flow. If you don't, we'll tell you.
Fit check
We do this first, not last. The AIO is not for everyone, and we'd rather filter now than waste your 90 minutes.
| This is for you if... | Skip this if... |
|---|---|
| ✓Your mortgage balance is $300,000 or more | ✕You rent, or own your home outright |
| ✓Your credit score is 700 or higher (or close to it) | ✕You carry credit card balances month to month |
| ✓You have at least $100 left over at the end of most months | ✕You consistently spend more than you earn |
| ✓Your income is steady - W-2, consistent self-employment, rental, or mixed | ✕Your income is highly irregular with no predictable baseline |
| ✓You're comfortable actively engaging with your finances | ✕You prefer a fixed payment and would rather not think about your mortgage |
| ✓You want your home equity to actually work for you | ✕You've used home equity in the past for discretionary spending |
None of the "skip this" items is permanent. Many of our clients spent 6 to 12 months cleaning up their cash flow or credit before coming back and refinancing. The wait was worth it.
Your host
Michael Neef is a licensed loan officer with Renegade Home Mortgage (NMLS# 227081) specializing in the All-In-One mortgage. Before building the AIO practice at Renegade, Michael spent years writing traditional 30-year mortgages, which is exactly how the skepticism that drives this training got built.
"I wrote hundreds of conventional loans before I ran the math on my own mortgage. What I saw changed how I do the job. There is a better product for the right borrower, and my promise is simple: if the AIO is not the right product for you, you will hear that from me directly. We do not sell mortgages that hurt our clients."
- Michael Neef, Owner and Loan Officer - NMLS# 227081
Social proof
[TESTIMONIAL COPY - 2-3 sentences. Focus on the before/after of running their own numbers.]
[TESTIMONIAL COPY - focus on the consultation process. The "they told me it wasn't a fit and I respected that" testimonial is gold here if you have one.]
[TESTIMONIAL COPY - focus on the payoff math / equity acceleration they're seeing after closing.]
Straight talk
The All-In-One is a licensed first-lien mortgage product regulated under the same federal and state lending laws as any conventional mortgage. It has existed in the United States for more than 20 years and in Australia and the UK (under the name "offset mortgage") for more than 40. It is offered by major lenders and protected by the same consumer protections as any first-lien loan.
We are not selling a software product, a coaching course, or a financial education program. We are a licensed mortgage company. We originate the AIO loan for borrowers who qualify and who fit the product.
If your cash flow doesn't support it, the AIO becomes a more expensive line of credit rather than a wealth-building tool. That's why we start every relationship with a full cash flow analysis. If the numbers don't work, we tell you. You'll hear that several times throughout this training - because it's the single most important thing we want you to walk away understanding.
FAQ
Wednesday, April 30, 2026 at 7:00 PM Pacific. Live. Online. Replay for 48 hours after. No cost, no commitment.
Registration closes 15 minutes before the training starts.
Your seat for Wednesday, April 30, 2026 at 7:00 PM PT is confirmed. A confirmation email is on its way right now - if you don't see it in 5 minutes, check your spam folder and mark it "not spam" so you don't miss the reminders.
In the next 48 hours, you'll get:
One thing to do right now: pull up your most recent mortgage statement. Find the "interest paid this month" number. Write it down or screenshot it. That one number is going to be the most useful piece of data you bring to the session.
See you Wednesday.
- Michael Neef, Renegade Home Mortgage
NMLS# 227081