Real Client Results
Real people. Real debt. Real results. See how CLB® clients paid off massive amounts of debt in years — not decades.
Josh and Lauren were introduced to TruthInEquity.com by their financial planner. Both college educated, no kids — their mortgage was manageable. What was killing them was $262,000 in student loan debt. In 2016 alone they paid $17,000 in student loan interest. Lauren was even earning less than her education dictated just to keep the monthly payments within budget. This debt felt like a life sentence.
TIE Recommended: Professional Blend with $50,000 2nd lien HELOC — used to first attack the student loan, then redirect to pay off the mortgage.
Josh and Lauren paid back $180,000 of student loan debt in just three years. Interest on remaining debt dropped from $17,000/yr to $4,344/yr. Estimated mortgage payoff: March 2024 — completely debt-free at age 37 after only 6 years and 8 months on the program. Josh then planned to use CLB® to build their retirement portfolio.
Amanda found a TruthInEquity YouTube video while searching for ways to pay off their mortgage early. They were already investing in home improvements to build equity — but had no strategy to accelerate their payoff. After scheduling a consultation, they implemented CLB® with a 2nd mortgage HELOC.
Consolidating their vehicle, motorcycle, patio loan, and student loan into the HELOC saved them $727 per month immediately. Their 1st mortgage rate of 3.25% made keeping the conventional loan in place the right call.
In just 3 months they lowered their mortgage balance by $30,000 and their HELOC balance by $5,000. Monthly positive cash flow nearly doubled from $735 to $1,348. On pace to meet or exceed their 7-year 5-month total payoff projection.
Brent and Amanda had great jobs and almost no debt — just a 30-year mortgage. After seeing Jordan Goodman on Fox News explaining how anyone could pay off a 30-year mortgage in 5–7 years without changing their lifestyle, they called Truth In Equity.
The pain point was clear: after a full year of payments they had paid down less than $7,000 in principal. Almost everything was going to the bank in interest. They had goals — acquiring real estate and an early retirement for Amanda — and the math wasn't working.
TIE Recommended: Professional Blend with a $45,000 2nd position HELOC. The numbers with the line in second position far exceeded replacing the mortgage with a HELOC.
That's $84,000 in gained equity in only eight months. A setback came when Amanda lost over a year of income due to illness — yet even that couldn't derail the program. As a follow-up in June 2019, they confirmed they were still on track to pay off the entire mortgage.
Brian and Julie heard about TruthInEquity.com on a local radio station. Living paycheck to paycheck at 56 and 55 years old with a strong desire to retire debt-free, they joined the TIE family in 2011.
TIE Recommended: Professional Blend with a $50,000 2nd mortgage HELOC, then transitioned to an Executive Choice $175,000 1st lien HELOC in 2013 after paying down $43,265 in two years.
Brian has used CLB® as a true financial platform — not just for payoff, but for life's big purchases without derailing his retirement goals:
Even after Julie was out of work for 7 months in 2015, they didn't feel the loss in their lifestyle and didn't touch savings. Brian's daughters and several friends are now CLB® practitioners too.
Patrick was introduced to TruthInEquity.com by his financial planner. He wasn't carrying consumer debt — just a mortgage. But the math on 30 years of interest was unacceptable. To acquire $250,000 in his investment portfolio he would have to contribute $690,000 of income — nearly $440,000 of that just for the mortgage and its associated interest.
"He didn't mind repaying the $238,000 he borrowed. He just wasn't willing to pay $172,000 in interest along the way."
TIE Recommended: Professional Blend with a $25,000 2nd mortgage HELOC. A two-loan structure proved safer and more productive given his 3.625% rate and large balance.
In 2019 Patrick's TIE strategist identified an opportunity during a routine review — Patrick had paid off so much principal that his mortgage company approved a $550/month payment reduction without refinancing. That's a $6,600 annual tax-free raise that pulled his payoff forward another 12 months. Patrick is now on track to be mortgage-free at age 44 — with 20+ years to invest what was his mortgage payment.
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