Try The All-In-One Free Calculator
Move the sliders and watch your loan balance curve update live. See exactly how the All-In-One loan pays off decades faster than a 30-year fixed. No sign-up required to explore.
See Your Cash Flow Advantage
Compare 30-Year Fixed vs. All-In-One Loan
See the exact month-by-month and year-by-year amortization breakdown. Discover how many years and hundreds of thousands in interest you can save by depositing income directly against your mortgage principal.
Mortgage & Income Parameters
Notice how the AIO balance curve drops steeply in the early years, whereas the Traditional 30-Year loan barely moves due to front-loaded interest penalties.
Should You Refinance or Switch to All-In-One?
A traditional refinance lowers your rate but restarts the clock and piles on closing costs. The AIO loan attacks principal with your daily income. Compare cumulative borrowing cost and find the exact month AIO pulls ahead.
Loan & Closing Inputs
Cumulative Borrowing Cost Over Time
What is the All-In-One (AIO) Loan?
Traditional mortgages force you to separate your banking from your debt. The All In One Loan combines a 30-year first-lien revolving home equity line with a full-featured sweep checking account.
The Offset Banking Principle: 4-Step Monthly Cycle
How everyday cash flow turns into an interest-destroying engine
Deposit Your Income Into the Loan
Your personal take-home pay and any rental income are deposited straight into your All-In-One checking account, the same account that holds your mortgage.
Interest Is Charged on the Lower Balance
Because your income is already sitting against the loan, the bank charges interest each day on that smaller balance, not the original amount.
Spend Normally Throughout the Month
Pay bills, groceries, and everyday expenses with your debit card, checks, or online bill pay, just like a normal checking account.
Your Surplus Permanently Pays Down Principal
Whatever is left over each month (income minus expenses) stays in the account and permanently lowers your loan balance.
Your Money at Work vs Sitting Idle in Traditional Banks
Instantly offsets loan balance. Daily interest is now charged on $10,000 less immediately.
Disbursed gradually over 30 days via Visa debit or bill pay. Unspent dollars reduce interest every day before leaving.
Surplus automatically lowers next month's starting balance, creating a powerful snowball payoff effect!
How Top Borrowers Leverage the All-In-One Loan
Whether you are expanding a real estate portfolio, managing lumpy commission income, or preparing for retirement, the AIO unlocks strategic advantages.
Real Estate & BRRRR Investors
Unlimited Liquidity Without Hard Money or Refinancing
- Deposit all rental revenues directly into the AIO to crush mortgage interest on your primary or investment properties.
- Draw down your credit line instantly to make cash offers on new deals without waiting 45 days for lender underwriting.
- Avoid expensive hard money interest (12%+) and bridge loan origination points.
- Repay the line when a property refinances or sells with zero prepayment penalties.
High-Earners & Commission Sales
Maximize Lump-Sum Bonuses, RSUs & Distributions
- Deposit large quarterly bonuses, stock vesting events, or commission checks directly against your balance.
- Daily interest drops instantly the minute your lump sum lands.
- Withdraw funds months later for quarterly estimated taxes, private school tuition, or angel investments.
- Never let dry powder sit in a 0.05% checking account while paying 6.8% mortgage interest.
Self-Employed & 1099 Contractors
Keep Cash Liquid While Reducing Debt
- Retain total access to your cash reserves for inventory, equipment, or operating needs.
- Your tax reserves sit inside your home equity line reducing interest every day until tax day.
- One single statement combines all of your primary housing debt and checking into a clean ledger.
- Eliminates the traditional restriction of locking capital away in permanent equity.
Pre-Retirees (5–10 Years Out)
Enter Retirement 100% Debt-Free With Full Cash Reserves
- Accelerate mortgage payoff from 20+ years down to 5–7 years without tightening your monthly budget.
- Wipe out your biggest fixed monthly expense before your earned income stops.
- Your paid-off mortgage remains an active 30-year standby line of credit for emergencies or healthcare.
- Avoid reverse mortgages or forced downsizing.
Real Borrower Outcomes & Payoff Timelines
See how everyday homeowners and real estate investors transformed their financial trajectory with Justin Borvansky's AIO mortgage strategy.
Brian & Jessica M.
Denver, Colorado (Wash Park)
"We were paying $4,100 a month on a 30-year fixed loan. Switching to the AIO allowed us to sweep Brian’s annual stock grants and our monthly surplus directly into the mortgage. We are on track to be completely debt-free in under 7 years."
Carlos & Elena R.
Granby & Winter Park, CO
"Having Justin’s office right here in Granby was a game changer. As an investor with seasonal rental income from Grand County, traditional lenders never understood my cash flow rhythm. With the AIO, my peak winter and summer bookings sweep directly into the first lien, wiping out daily interest instantly."
David & Karen P.
Centennial, Colorado
"Justin sat down with us, built a custom daily cash flow model using our actual paychecks and household expenses, and stress-tested every scenario. In just 16 months our principal has dropped further than it did during 5 full years on our previous fixed mortgage."
5.0 Out of 5.0 Star Rating | 100% Client Satisfaction
Trusted by Homeowners & Investors Across Colorado and 7 Other States
"Living in Denver with high housing costs and fluctuating quarterly equity bonuses, traditional 30-year fixed loans felt like throwing money into a furnace. Justin structured our All-In-One loan to absorb our bonus payouts and monthly surplus. We maintain 100% liquidity for home renovations, yet our loan balance drops every month at triple speed."
Kevin & Amanda S.
Denver, CO • $740,000 Balance • Target Payoff: 7.5 Yrs
"Justin’s fiduciary approach is unmatched. He wasn’t trying to flip us into refinances every two years to collect loan fees. He gave us a concrete blueprint to be 100% mortgage-free before retirement while preserving our emergency liquid cash. Best financial decision we’ve made in 25 years of homeownership."
Marcus & Danielle T.
Boulder County, CO • $590,000 Primary Home • Payoff: 8.8 Yrs
Justin Borvansky
Senior Loan Officer • All-In-One Specialist
NMLS #640487 • Edge Home Finance NMLS #891464
21+ Years Mortgage Experience
Licensed States: AL, CA, CO, IL, KS, MO, NV, VA
Verify NMLS Consumer AccessA Fiduciary Approach to Your Largest Lifetime Debt
For most Americans, a mortgage is their single largest monthly expense and lifetime debt. Yet 95% of homebuyers are funneled into traditional 30-year amortized products created during the Great Depression that trap their equity and force them to pay astronomical interest.
As a Senior Mortgage Strategist with Edge Home Finance, Justin Borvansky specializes in guiding high-performing families, real estate investors, and pre-retirees through the math of the All-In-One (AIO) Loan. His mission is simple: eliminate decades of mortgage debt, maximize your monthly cash flow efficiency, and preserve uninterrupted liquidity.
1320 S Garfield Street
Denver, CO 80210
62543 US-40, Unit D
Granby, CO 80446
Frequently Asked Questions
Everything you need to know about the All-In-One loan mechanics, safety, and benefits.
Get Your Personalized AIO Illustration
The calculator above is free to use. No sign-up required. When you're ready, share your scenario details and Justin will build a custom, lender-grade illustration and reach out within 24 hours. Or book a call directly.