Turn Your Income Into a Mortgage Payoff Machine
The CMG All In One Loan combines your mortgage and banking into one powerful account — helping you reduce interest, access equity, and pay off your home faster.
- Combine your mortgage and everyday banking into one powerful account
- Every dollar you deposit reduces your loan balance and the interest you owe
- Access your equity anytime without refinancing or applying for a new loan
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All loan scenarios are subject to borrower qualification, property eligibility, and lender approval. This page is for informational purposes only.
See If AIO Could Work For You
Complete the quick form and connect with Ben to learn whether the All In One Loan may fit your financial goals.
Why the All In One Loan Is Different
Pay Down Your Mortgage Faster
Every dollar you deposit reduces your loan balance immediately, accelerating your payoff timeline.
Save Tens of Thousands in Interest
Interest is calculated on your average daily balance — not a fixed original loan amount — so savings compound over time.
Access Your Equity Anytime
Withdraw funds when you need them without refinancing or applying for a new loan.
One Account for Everything
Your mortgage, checking account, and financial hub — combined into one intelligent system.
Stay Liquid While Paying Down Debt
Your money works against your loan balance every day while remaining fully accessible.
What Is the All In One Loan?
The All In One Loan is a first-lien HELOC that combines your mortgage and everyday banking into one dynamic account — built to put every dollar of your income to work against your balance.
Every dollar you deposit — like your paycheck — automatically reduces your principal balance, which lowers the interest charged each day. The result is a powerful compounding effect that can save you tens of thousands over the life of the loan.
Unlike traditional mortgages, your funds remain fully accessible at all times, giving you flexibility while still accelerating your payoff timeline.
How It Works
Deposit Your Income
Your paycheck is deposited directly into your loan account, immediately reducing your principal balance.
Lower Your Interest Daily
Interest is calculated on your current daily balance — not your original loan amount — so every deposit saves you money.
Spend as Needed
Use your account like a checking account — pay bills, withdraw funds, and manage everyday expenses freely.
Accelerate Your Payoff
Your money works continuously to reduce your loan and interest, compounding savings over time.
Is This Right for You?
High-income earners with consistent cash flow
Self-employed borrowers
Real estate investors
Homeowners with strong savings habits
Anyone wanting to reduce interest and gain financial control
How Clients Use the All In One Loan
Pay Off Mortgage Faster
Channel your income directly at your balance to shave years off your mortgage.
Fund Investments
Access your equity as a liquid resource to deploy into opportunities.
Manage Cash Flow
One account that handles income, expenses, and mortgage in sync.
Emergency Fund Access
Your equity acts as a built-in financial safety net — available when you need it.
Consolidate Finances
Simplify your financial life by merging your banking and mortgage into one system.
Why Work With Ben Russell
Strategic Financial Guidance
Ben helps you think beyond the loan — building a strategy around your income, equity, and goals.
Advanced Mortgage Solutions
Deep experience with sophisticated programs like the All In One Loan that most LOs don't offer.
Backed by CMG Home Loans
A trusted national lender with the infrastructure and product depth to serve complex needs.
Personalized Approach
No cookie-cutter advice — your financial picture gets a real, thoughtful review.
Limited consultation spots available.
Frequently Asked Questions
Take Control of Your Mortgage and Your Money
The All In One Loan isn't just a mortgage — it's a financial strategy. If you have consistent income and want to stop leaving money on the table, let's talk.
No pressure. No obligation. Just a real conversation about whether this is the right move for you.
Or call us directly: (203) 286-4798