The All In One Loan
The smarter home loan for accelerating equity, minimizing cost, and realizing financial freedom.
Begin Your Home Loan Process Today!
There's a way to pay less interest and pay your house off faster.
Why wouldn't banks want you to know that? Because it means you're paying them less money. It's that simple.
To be clear — just because there's a way doesn't mean everyone will qualify for it, or that it makes sense for everyone right now.
But even if it doesn't make sense now, everyone should absolutely know about it. Because at some point it might. And when it does, it could save you tens — if not hundreds of thousands of dollars in interest — and help you pay off your mortgage faster.
Your mortgage, working for you — every single day.
All In One Loan clients get a new 1st position Home Equity Line of Credit (HELOC) linked directly to a checking account. It works like a normal checking account — deposits in, bills paid out. But every night, something powerful happens.
Pearce specializes in helping homeowners pay off their mortgage faster and build real wealth — without changing how they manage their money.
No pressure. No obligation. Just a conversation about whether this makes sense for you.
The All In One Loan explained.
Say you have a $600,000 home with a mortgage balance of $450,000, locked in at 5% for 30 years. Let's also assume you have $50,000 in savings, you make $120,000/year, and you spend 80% of that income each month.
In the AIO loan, even if your rate climbed to 9.067%, you'd still come out ahead.
Say goodbye to that low interest-bearing savings account.
With an All In One Loan, you have full access to your equity for the life of the loan — and can apply savings balances toward the line so your money works harder.
- 10% down payment
- 43% max Debt-to-Income ratio
- Reserves based on DTI
DTI ≤ 40% → minimum 10% of line in reserves · DTI 40–43% → minimum 15% of line in reserves
- Borrowers who save approximately 10% or more of net monthly deposits
Example: Average deposits of $10,000/mo → saving at least $1,000/mo is a strong fit.
The best way to know if an All In One Loanis right for you is to enter your specific information. If you're unsure how to use it, start with monthly income and expenses, then calculate and review interest savings, projected term, effective rate, and breakeven rate.
Run the Loan Simulator — no commitment required
Everything you need to know about the All In One Loan — filter by topic or expand any question.
Primary residence → 90% | Second home → 80% | Investment property → 75%
Ceiling: Start rate + 6%
Highland Mortgage has access to over 8,000 loan products.
Giving our team the flexibility to match borrowers with financing solutions that truly fit their situation. From conventional and government-backed loans to specialized options for self-employed borrowers, investors, and unique financial scenarios, this expansive product lineup allows us to approach every loan with options—not limitations. Our goal is simple: connect each borrower with the right loan, backed by the strength and resources of the Highland Mortgage network.
Fixed or adjustable rates. No PMI after 20% equity.
Flexible credit requirements and down payment assistance.
No down payment for veterans and active-duty members.
Rural area financing for low-to-moderate income households.
More borrowing power for luxury or high-cost areas.
As a proud direct lender for Fannie Mae and Freddie Mac, we offer a seamless loan process, competitive rates, and financing solutions that meet the highest industry standards. This distinction allows us to eliminate unnecessary steps, ensuring a faster, more efficient experience for our borrowers.