Frequently Asked
Questions

We can't disagree — paying off your mortgage in as little as 5 years with no change to your budget certainly does sound too good to be true. But we help people do it all the time.

Schedule a free Discovery Call with one of our expert financial strategists and we'll demonstrate how our program works with your numbers to achieve your financial goals. Once you understand how it works, you'll be blown away by the results. We promise.

Equity Optimization is very similar to how you manage your regular checking account — deposits and withdrawals. The key to understanding it is to see how your finances are affected when your income and debt work together versus conventional methods.

Our Financial Strategists are highly skilled at customizing the program to your unique needs. You can learn more about how it works here.

No — anyone can use this strategy. Whether you own a home with equity, just bought a home and are looking to build equity, or you don't own a home at all, we will tailor the program to fit your needs.

Our strategy hinges on utilizing a line of credit. Whether this is a Personal Line of Credit or a Home Equity Line of Credit (HELOC) will be based on your unique situation. When you schedule a Discovery Call your Financial Strategist will provide more detail based on your current financial landscape and goals.

Absolutely not. Making additional payments toward your mortgage won't help you pay off your car, your credit cards, or your student loans. You may pay off your mortgage faster — but not nearly at the rate our clients achieve.

The concept behind Truth In Equity is to get your money moving so that it works harder for you. Using traditional methods, even if you pay extra toward principal, the majority of your income is still sitting idle in your checking account.

Your Financial Strategist will demonstrate how the Equity Optimization model of banking outperforms conventional debt acceleration by a very wide margin.

No — and in fact we steer our clients away from a traditional cash-out refinance. Our goal is to help you reduce the overall time it takes to pay off your house, and you do not need to replace your mortgage to do that.

We actually prefer you maintain your low-rate 1st mortgage. Schedule a free Discovery Call to see how Equity Optimization works in your particular scenario.

This is a common and completely understandable concern. To understand why rising rates don't derail the program, you have to understand how rate interacts with the Equity Optimization process.

When Truth In Equity began, the prime rate was 8.25%. Even at that level, our clients were transitioning out of their 5% fixed-rate conventional loans — and the process still worked. The Equity Advantage theory makes mathematical sense despite rising interest rates because it's based on the term of repayment rather than the rate and payment amount.

There are several answers to this question, but ultimately — these strategies simply aren't mainstream. They aren't well publicized, taught in schools, or offered by the financial industry as a whole.

That's exactly why it's our goal to make them available and give as many people as possible the tools needed to free themselves from high interest rates and long loan terms.

This is a very good question. Some believe the banking community keeps this strategy quiet because they will lose money. We've been told by bank executives that they don't offer this type of program because they are not in the financial advice or education business — banks only offer financial products. It is up to the customer to make their own financial decisions about managing their money.

The difference is our business model. Other companies offering a similar program sell software or loans.

While one of the products we provide is an online software tool where you can track and manage your progress, Truth In Equity provides the most important elements of success: education and ongoing support.

We are also the only provider that guarantees your results. If you don't start to see results in the first 6 months, you can access our 6-month money-back guarantee directly from your Personal Profile.

You have every right to attempt this on your own. However, there's a reason our clients recommend us. Working with an expert who knows the nuances and pitfalls of this strategy can save you a tremendous amount of time, headache, and money.

Learn more about exactly how we help you implement this process smoothly and quickly by speaking to one of our Financial Strategists.