1
Deposit your income
Paychecks and other deposits enter the integrated checking account and are applied through the sweep feature.
A different approach to home financing
Make your income work harder against your mortgage.
The All In One Loan® combines a first-lien home equity line of credit with an integrated checking account—helping qualified, cash-flow-positive borrowers reduce daily principal while keeping funds available for everyday life.
Purchase or refinancePrimary, second and investment homes30-year draw access
1 accountMortgage financing and everyday banking
DailyInterest calculated from the ending balance
24/7Access to available funds
30 yearsOpen-ended line-of-credit term
How it works
Your cash flow becomes part of your mortgage strategy.
Instead of leaving income idle in a traditional checking account, eligible deposits sweep against the line-of-credit balance. That can reduce the principal used to calculate daily interest before the money is spent.
2
Lower the daily balance
Each dollar held against the loan balance may reduce the amount on which daily interest is calculated.
3
Spend as usual
Use checks, debit cards, online bill pay and transfers to cover normal expenses while available funds remain accessible.
The central idea
Interest depends on more than the rate.
The balance owed and the time spent owing it also affect total interest expense. This structure is designed to help borrowers use positive monthly cash flow to reduce principal sooner.
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Principal-first cash flow
Deposits reduce the outstanding balance before being used for expenses.
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Liquidity remains available
Available funds and equity can remain accessible without a traditional cash-out refinance.
Side-by-side
All In One Loan® vs. a traditional mortgage
| Feature | All In One Loan® | Traditional mortgage |
|---|---|---|
| Structure | Open-ended first-lien HELOC | Closed-end amortizing loan |
| Rate | Adjustable: fixed margin + index | Often fixed; adjustable options available |
| Principal reduction | Driven by deposits and cash flow | Driven by amortization and extra payments |
| Access to equity | Available during the draw period, subject to terms | Usually requires a separate loan or refinance |
| Payment pattern | Interest based on daily balances | Scheduled principal-and-interest payment |
| Best suited for | Disciplined, cash-flow-positive borrowers | Borrowers prioritizing predictable payments |
Interactive comparison simulator
Estimate your potential savings.
Compare the potential benefits of an All In One Loan® with a traditional forward-amortized mortgage using the official simulator from CMG Home Loans.
Before you begin, gather your estimated home value, loan balance, loan terms, deposits, recurring expenses and any planned one-time deposits. Construction scenarios may also require anticipated draw amounts and timing.
Simulator results are estimates for educational purposes. Actual rates, costs, savings and payoff timing depend on loan terms, rate changes, cash flow and account activity.
Flexible uses
One concept. Several property strategies.
The program may be available for purchases or refinances and for several occupancy types, subject to current underwriting requirements.
Primary residence
Use income and savings to work against the balance while retaining access for household needs.
Second home
Finance a vacation property with a structure built around liquidity and cash flow.
Investment property
Put eligible rental and personal cash flow to work while maintaining access to available equity.
Purchase or refinance
Use the strategy for a new acquisition or to replace eligible existing financing.
Watch and learn
Hear from homeowners and explore how the program works.
These official All In One Loan® videos include real borrower experiences, a detailed consumer and partner presentation, and a quick overview of the mortgage wheel reinvented.
Homeowner story
Testimonial — Ellen O'Neil
Homeowner story
Testimonial — Dean Andersen
In-depth presentation
Consumer and Partner Video
Program overview
Mortgage Wheel Reinvented
Common questions
Understand the structure before deciding.
Is the All In One Loan® a mortgage or a HELOC?
It is a first-lien, open-ended home equity line of credit with an integrated sweep checking account and a 30-year term.
Is the interest rate fixed?
No. The margin is fixed for the loan term, while the index may adjust. The rate is the fixed margin plus the applicable index, subject to the loan’s floor and cap.
How are deposits used?
Eligible deposits sweep against principal, reducing the daily balance used to calculate interest. Funds remain available for normal spending, subject to the account terms.
Can I use it to buy a home?
Yes. The program may be used for eligible purchases and refinances involving primary residences, second homes and investment properties.
Is there a balloon payment or prepayment penalty?
The official program FAQ states that the standard All In One Loan® has no balloon payment and no prepayment penalty. Texas homestead structures differ.
What happens if the balance reaches zero?
The line can remain open and available for the remainder of its term, unless the borrower requests that it be closed.
Will this automatically pay off my mortgage faster?
No result is automatic. Potential payoff time and interest savings depend on income, expenses, withdrawals, rates and how consistently positive cash flow is maintained.
How do I know whether it fits me?
A personalized comparison can model the program against traditional financing using your actual income, expenses, property and loan details.
Your mortgage professional
Meet Dave Overholser
Dave helps Florida homeowners, buyers and real estate investors understand financing strategies beyond the standard 30-year mortgage. His approach begins with education, a clear comparison and an honest determination of whether the program fits the borrower’s actual cash flow.
Dave Overholser
Mortgage Loan Officer, NEXA Lending
NMLS #2448082 · 727-999-9677
doverholser@nexalending.com