When I finally understood how mortgages calculate interest, everything changed. My wife and I replaced our traditional mortgage with a properly structured HELOC, then routed our income into the HELOC checking account. Instead of sitting idle in a separate checking account, our cash flow reduced the principal balance sooner — which changed how much interest accrued, which saved us money. This isn’t a typical refinance into a lower rate mortgage, and it’s not something most banks are trained to ex

When I finally understood how mortgages calculate interest, everything changed. My wife and I replaced our traditional mortgage with a properly structured HELOC, then routed our income into the HELOC checking account. Instead of sitting idle in a separate checking account, our cash flow reduced the principal balance sooner — which changed how much interest accrued, which saved us money. This isn’t a typical refinance into a lower rate mortgage, and it’s not something most banks are trained to ex