Erik Walbot · The Payoff Pro
Pay off your home. Build your freedom.
A traditional mortgage keeps your paycheck sitting idle while your balance barely moves — for 30 years. The All In One Loan™ works the other way: every deposit lands on your principal, and interest is recalculated daily on what's actually left. Homeowners who use it measure the finish line in years, not decades.
Why it works
Three things a regular mortgage can't do
Pay less interest
Interest on a traditional loan runs off a schedule set at closing. Here it's recalculated daily on what you actually owe — and every deposit drops that balance the day it lands. Less balance, less interest, every single day.
Own your home sooner
When the balance falls faster, the finish line moves toward you. Many households see a payoff window of 5–10 years instead of 30. Run the simulator below and see what your numbers say.
Keep access to your equity
Pay down a regular mortgage and that money is locked away until you sell or refinance. The All In One stays open: your equity remains there to draw on across the loan's full 30 years — without a new loan or a new application.
“The loan my wife and I have on our own house. We could have picked any mortgage in the country. We picked this one — for the same three reasons on this page: less interest, a faster finish line, and our equity still there when we need it. I don't sell anything I wouldn't sign myself.”
The mechanism
How the All In One Loan™ works
It's a first-lien HELOC with a built-in sweep checking account. There's no new habit to learn and no extra payments to make — your normal income does the work.
Your paycheck deposits into the loan's built-in checking account — and lands directly on your mortgage principal the day it arrives.
Interest is charged on the lower balance, every day. Your rate is the 30-day average SOFR plus a margin that's fixed for the full 30 years — and it falls automatically when SOFR falls. No refinance needed.
Spend as usual from the same account. Every dollar works against your balance until the moment you spend it — and the line stays open for all 30 years.
Same income. Same spending. Different month.
Follow the refinance household from the examples — $380,000 balance, $13,500 payday, $9,000 a month in spending — through one ordinary month. Tap through the days.
$380,000 → $366,500
The paycheck lands inside the loan. The balance drops $13,500 the same day — and tonight, interest is figured on $366,500, not $380,000. No payment was "made." The money just lives where it works.
Illustration from the first example household: 6.3% example AIO rate vs their 7.125% traditional loan.
They're not two loans. They're two machines.
A traditional mortgage and the All In One don't do the same job at different prices. They are built differently, down to how a single day is treated.
Same house. Same income. The plumbing decides.
Two households. Two very different endings.
Static examples while the full simulator waits on CMG's domain approval — same math, no inputs needed. Your version starts with the 60-second check below.
The refinance that ends 19 years early
$380,000 balance · 7.125% loan · 27 years left on it
About $379,000 less interest — and the home is paid off while the old loan would still have almost two decades to run.
Assumes $13,500/mo deposited, $9,000/mo spent, $25,000 of savings moved in on day one, 6.3% example AIO rate.
The 3.25% loan nobody wants to touch
$520,000 balance · 3.25% loan · 24 years left on it
Honest truth: on interest alone it's close to a wash. What changes is the calendar — free and clear 10+ years sooner, with your equity within reach the whole way. A low rate on a slow loan is still a slow loan.
Assumes $15,000/mo deposited, $10,600/mo spent, $40,000 of savings moved in on day one, 6.3% example AIO rate.
Illustrations, not quotes. The AIO paths use a simplified model of the real product — income deposited monthly, spending spread across the month, interest figured on the shrinking daily balance. Actual results depend on your rate (the 30-day average SOFR plus your margin), your deposits and your spending.
Is your low rate actually a trap?
Three questions. No email, no pitch — just a straight read on the loan you're holding.
1 · What's your current mortgage rate?
2 · How many years are left on it?
3 · If you keep this loan to the very end, how much interest is still ahead of you?
Run the comparison
See your two paths, side by side
This is CMG's official simulator: put in your loan, your income and what you spend, and watch the traditional path and the All In One path race each other.
Run the full simulator
The complete All In One simulator runs on CMG's site — same tool Erik walks his clients through, opens in a new tab:
Simulator provided by CMG Home Loans. All In One Loan™ and the All In One Loan™ logo are trademarks of CMG Home Loans, NMLS #1820. Results are estimates from CMG's simulator, not a loan offer or commitment to lend. Loan services: Erik Walbot, Mortgage Strategist, EPiQ Lending, NMLS #2018707 (company NMLS #1936984). This page is educational only.
Watch & learn
The Payoff Pro video library
Erik explains the strategy on YouTube — the mechanics, the traps in a “low” rate, and the roadmap from first call to closing. Tap any video to play it right here.
Swipe or scroll for more · Watch the full library on YouTube →
Five mortgage "facts." Most of them are traps.
Call each one. Erik's verdict appears the second you do — including the one almost everybody gets wrong.
Card 1 of 5
Every one of these traps has a dollar figure attached to your loan. The 60-second check finds yours — and the Autopsy takes it apart live.
Where does your payment actually go?
Pick a loan, drag the year, and watch the split. Early on, the bank's slice is the whole story — that's not a flaw in your loan, it's how amortization is built.
The All In One attacks the orange part — interest is figured daily on whatever your balance is *that day*, and your deposits shrink that balance from the day they land.
Amortization is the bank's script. Flip it.
On a standard 30-year loan, most of your payment is interest for a very long time. The moment when at least 75% of your payment finally goes to *your* balance is called the crossover — drag the rate and see how long the bank makes you wait for it.
Your rate: 5.50%
The crossover hits in Year 25.
In Year 1, only about 20% of your payments pay down your loan — the rest is interest. Three-quarters principal doesn't arrive until Year 25 of 30.
The All In One: Month 1. There's no crossover to wait for. Every dollar you deposit pays down your balance the day it lands, and interest is charged only on what's left. That's the flip — you play by your rules instead of the bank's, from the first month instead of the twenty-fifth year.
Your 15-Minute Payoff Autopsy
Bring your current loan — a statement or just the numbers in your head. Erik puts your loan on the screen and dissects it live: where the money goes, what it costs you to keep it, and what the All In One path looks like with your income running through it.
Booking opens Erik's scheduling page — pick a time that suits you. Camera on or off, your call.
See if your payoff is 10 years, 7 years — or even 5.
There's a real date hiding inside your loan. Fifteen minutes on Zoom and you'll know yours. Find out today.
The 60-second payoff check
How much is your current path costing you?
What's left on your mortgage?
Primary, second home, or investment — buying or refinancing
The All In One isn't just for the house you live in. If there's a mortgage on it, there's a version of this conversation for it.
Primary residence
The classic fit — the home you live in, where your income lands and your bills get paid. This is where the payoff math hits hardest.
Second home
A cabin, a snowbird place, a getaway that still carries a mortgage. The same daily-interest structure can work on the second roof, too.
Investment property
Rental income deposited against the balance changes the math again — your tenants' rent starts shrinking your interest bill every month.
Headline program terms: purchases from 10% down, refinances up to 80% of value. Terms vary by property type and profile — the check below and a short call sort out which door your property fits.
Straightforward, on purpose
The 4 key qualifications
Minimum 700
Your indicator of financial readiness. 700 or higher opens the door.
Max 43% DTI
Total monthly debt payments divided by gross monthly income.
10% down · 80% LTV
Purchase: 10% down payment. Refinance: maximum 80% loan-to-value.
10% – 15% on hand
10% reserves if your DTI is under 40%; 15% if it's 40–43%.
Quick questions
Before you ask
Can I still get to my equity if something comes up?
Yes — that's the point of the design. The line stays open across the loan's full 30 years, so the equity you pay down is still yours to draw on when life happens. No new loan, no new application.
Do my paychecks have to be perfectly steady?
No. Every deposit sweeps against your principal the day it lands, whenever it lands. Irregular income changes the pace, not how it works — and Erik can model lumpy income in your scenario so you see your real path.
Do I have to change how I bank?
The loan comes with its own built-in checking account — that's the sweep. The income you route through it is what works against your balance until you spend it. You can keep your other accounts; the deposits doing the work just need to flow through this one.
What does it take to qualify?
Generally: a 700+ credit score, a debt-to-income ratio up to 43%, 10% down on a purchase (or up to 80% loan-to-value on a refinance), plus reserves. Your exact picture decides it — that's a two-minute conversation, not a guess.
Want Erik to run your exact scenario?
The simulator is the model. Erik is the strategist. Send the 60-second check above, or just call — he'll run your real numbers and tell you plainly whether this fits, including when it doesn't.
Buying or selling a home instead?
Erik is a Scottsdale realtor first — 25 years, 500+ homes sold. Real estate lives at The Walbot Group.
It's your journey — let us be your guide
Run your exact scenario with Erik
Two minutes on the phone beats two hours of guessing. Erik will model your numbers and give you a straight answer — including if the All In One isn't your move.
Erik Walbot · Mortgage Strategist · AIO Specialist · EPiQ Lending
7975 N Hayden Road, Ste A101, Scottsdale, AZ 85258