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How Much Interest is Your Home Equity Earning?


How much interest are you earning on your home equity? If you answered nothing, zero, zilch, zip you are correct. What would you do if you could get triple compounding on your equity? Would you take action and build a fortune that would allow you to pay off the mortgage and create a retirement fund?

We use a strategy called Early Mortgage Pay Off System or EMPOS?. The strategy involves using common knowledge that is applied uncommonly. In other words, we have been told for years that a fixed mortgage is the way to the American Dream of having our homes paid off free and clear. But is that really a dream, when all along the way you struggle to make those large payments? What if you could reduce your monthly mortgage payments and increase your cash flow?

By using the right mortgage product you can keep your monthly payments low and redirect some of that cash back to yourself in an investment that gets triple compounding because it is tax deferred.

First, you examine to see if a Pick-a-payment Mortgage is applicable to your situation. This type of mortgage product allows you to choose between four options each month. The options are a 30-year payment, a 15-year payment, interest only or minimum monthly payment, which has a low start rate (currently 1.95% to 4.95% depending on the investor's, credit, income and other market factors). You can match your loan payments to your variable or seasonal income and begin using the saved income to create wealth.

This mortgage product uses a monthly Adjustable Rate concept to determine the actual rate of interest charged. The loan is linked to one of various indexes like the Cost of Funds Index (COFI), the Monthly Treasury Average (MTA), Certificate of Deposit Index (CODI), Cost of Savings Index (COSI) or the London Interbank Offered Rate (LIBOR). A loan consultant can determine the index and program that best fits your individual financial situation. Fixed percentage points (the "Margin") are added to the index and establishes your effective interest rate and monthly payment

Many of the super elite and very wealthy use this type of mortgage on their homes when they could afford to pay their mortgages off today. Why? Because they leverage their mortgage as a tool to create wealth. Even Alan Greenspan has an ARM mortgage on his home when he could afford to pay it off. History shows the ARM mortgage consistently outperforms a fixed rate.

What do I do with all my monthly savings you ask? We like to see it go into an environment where the money can earn triple compounding. Triple compounding is where you earn interest on your principal, interest on the interest and interest on the amount that would have gone to taxes. One of the best places to get tax deferral that creates a triple compound is with life insurance. In addition, there are equity indexed life insurance products that allow you to participate in the stock market while it is up and lock in the gains when the market falters. It is the best of both worlds because it earns at better than traditional fixed and is safer than a variable insurance product.

You may have sold yourself on life insurance being a useless product. Well, consider the following example of life insurance compared to a ROTH IRA.

The IRA offers no creditor protection if you get sued, the equity in your home is always on the table for a creditor to take. Additionally, your contributions to an IRA are limited, there is no death benefit if you prematurely pass away, and there is no disability aspect among other features.

After the Tax Reform Act of 1986, the Wall Street Journal had an article that said there were only five tax-advantaged investments left:

? Your personal mortgage

? Qualified retirement plans (i.e., EP, 401K, IRA, Pension, Profit Sharing, etc.)

? Tax Free Bonds

? Live Insurance

? Annuities.

The reason that life insurance was listed is because life insurance offers you the opportunity to have tax-deferred growth/compounding on your money as well as access on a tax advantaged basis.

What if we took the power of tax-deductible borrowing and invested the money tax-free? This is done by refinancing or using a Home Equity Line of Credit (HELOC). A client could take out money and fund the maximum in their equity-indexed universal life product to the extent they do not violate tax law and create a Modified Endowment Contract (MEC). Too, the client who is 59 ½ could place some proceeds into an single premium immediate annuity (SPIA) and fund the life insurance over the next couple of years directly. If the client were at least 55 years of age their situation could be appraised under the substantially equal payment exclusion to the 10% excise tax penalty on distributions prior to 59 ½ . There are other planning opportunities and the client would have the proceeds to invest, assuming their financials line up with the requirements of the lender.

Like any type of investing, there are pros and cons. The pro is that you can create significant wealth and is safer than playing the stock market. The con is that you would tap out equity from your home and by using one of many strategies; you might not pay your home off under the thirty years unless you choose to. However, you would likely build enough to pay off the mortgage in a lump sum if you cared to, or continue to use the mortgage interest deductions when you need them - as a retiree. Also, the amount of estate tax can be reduced since you only pay estate tax on what you own. There are numerous pros that outweigh the cons and you can find a savant on either side of the pro and con. Ultimately, a person must make up their own mind and begin to think outside of the box or join the masses that play it safe and will have to sweep floors in a retail store during their retirement years.

In closing, remember, equity can only be tapped two ways (1) selling the property or (2) an equity loan, but when you need it most the loan is not always that easy to get. If you want to create a significant amount of wealth and have a few years to still pay on your mortgage, you might want to examine to see if utilizing your equity to provide for your future is appropriate.

James Burns

Law Office of James Burns

18662 MacArthur Blvd, 2nd Floor

Irvine, CA. 92612

(949) 440-3243

© James Burns, Esq.

James Burns is an attorney with two law degrees and helps individuals and small businesses with Life Planning Solutions, a trademark concept he created.


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Sun. December / 16 / 2018


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Multiple benchmark refinance rates floated higher today. If you're in the market for a mortgage, see how your payments might be affected.


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for your refinance.


Mortgage rates plunge to their lowest level in three months  The Washington Post

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Refinance mortgage rate trends higher for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate climbed higher. If you haven't locked a refinance yet, see how your finances could be affected.


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you haven't locked a refi yet, see how your payments might be affected.


Refinance mortgage rate falls for Friday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.


Refinance rates slide for Monday  Bankrate.com

Several benchmark refinance rates fell today. If you're in the market for a home loan, see how your payments might be affected.


Refinance mortgage rate eases for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. If you're in the market for a mortgage, see how your payments might be affected.


The Best Reasons to Refinance Your Mortgage  MoneyWise.com

Just like your car, sometimes your mortgage is due for a trade-in. You might find a new model with improved options that will save you money or fit better wi...


5 Terrible Reasons to Refinance Your Mortgage  MoneyWise.com

Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or...


Mortgage applications rise 1.6% as interest rates drop to lowest level since September  CNBC

December may be a slow month traditionally for the housing market, but mortgage lenders are suddenly getting busier. A sharp drop in interest rates drove ...


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Several closely watched refinance rates rose today. If you're in the market for a mortgage, see what that means for you.


Expect More Mortgage Refinancing Come January, Says Local Mortgage Agent Mark Mitchell - Press Release  Digital Journal

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Multiple key refinance rates declined today. See what that means for your refi.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected.


Refinance rates fall for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. If you're shopping for a home loan, see how your payments might be affected.


Mortgage applications rise 2%, but buyers seem unimpressed by lower rates  CNBC

While price gains are now shrinking, affordability is still at the lowest level in a decade and proving to be the biggest barrier to housing demand. Sales of newly ...


Refinance rates ease for Friday  Bankrate.com

Several closely watched refinance rates sunk lower today. If you're in the market for a mortgage, see what that means for you.


Fannie Mae to Change Cash-Out Refi, Other Lending Guidelines  Zing! Blog by Quicken Loans

Fannie Mae announced some important changes to cash-out refinance guidelines that you should know. If you're ready, apply today to be considered.


Residential Refinance Mortgage Originations Drop 21 Percent In Q3 2018  Markets Insider

IRVINE, Calif., Dec. 13, 2018 /PRNewswire/ -- ATTOM Data Solutions, curator of the nation's premier property database, today released its Q3 2018 U.S. Resid...


Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise  The Wall Street Journal

Rising mortgage rates are crushing much of the refinancing market. But Americans are still using refis to pull cash out of their homes. More than 80% of ...


Weekly mortgage applications rise 5.5% as homebuyers edge back in  CNBC

It may be a greater supply of homes for sale. It may be price cuts on those homes. Whatever the reason, buyers are coming back to the market, and driving ...


Improved affordability should boost housing in 2019: Fannie Mae  National Mortgage News

Fannie Mae made a slight increase to its origination forecast, expecting housing affordability to improve in 2019 as mortgage rates remain flat and home price ...


Mortgage lender profit outlook falls for nine straight quarters: Fannie Mae  Seeking Alpha

Profit outlook for mortgage lenders fell for nine straight quarters in Q4 2018 as demand for loans to buy homes and to refinance existing mortgages decline.


JACK GUTTENTAG: Purpose determines if refinance is correct answer  Sarasota Herald-Tribune

Should I refinance?This question was posed to me recently through Quora, the question and answer website. I did not answer it there because an adequate ...


Mortgage rates move upward for Friday  Bankrate.com

Several benchmark mortgage rates advanced today. If you're in the market for a mortgage, see what that means for you.


Refinance rates retreat for Saturday  Bankrate.com

Several key refinance rates tapered off today. If you're shopping for a mortgage, see how your payments might be affected.


Retreat of Smaller Lenders Adds to Pressure on Housing  The Wall Street Journal

Small and midsize U.S. mortgage firms are trimming staff, putting themselves up for sale and closing up shop at a clip not seen in years, a sign of the pressure on ...


Mortgage rates slide the fastest in four years, but it may be too late for the housing market  MarketWatch

Rates for home loans fell by double digits in the most recent week, but with the housing market on its heels and few Americans in a position to take advantage of ...


Refinance rates drop off for Wednesday  Bankrate.com

Several key refinance rates dropped today. If you're in the market for a refi, see how that could affect you.


Former mortgage lender COO gets 24 months for $8.9m scam  Mortgage Professional America

The former COO of Long Island, N.Y.-based mortgage lender Vanguard Funding has been sentenced to 24 months' imprisonment for his role in a scheme to ...


Closely watched mortgage rate climbs for Monday  Bankrate.com

Mortgage rates showed no clear direction today, but one key rate ticked up. The average for a 30-year fixed-rate mortgage cruised higher, but the average rate ...


SoFi Is Said to Cut 7% of Staff and Revamp Ailing Mortgage Unit  Fortune

Social Finance Inc., the lending and refinancing startup valued at more than $4 billion, is cutting about 7 percent of its staff, according to a person familiar with ...


Mortgage rates are down significantly over the past three weeks  The Washington Post

The 30-year fixed-rate average has fallen 19 basis points in three weeks to 4.75 percent.


CFPB sues mortgage company for allegedly deceiving veterans about refinance benefits  Lexology

On December 6, the CFPB announced the filing of a complaint and proposed final judgment in the U.S. District Court for the District of Nevada against…


Refinance rates drop off for Saturday  Bankrate.com

Multiple benchmark refinance rates trended down today. If you're in the market for a refinance, see how your payments might be affected.


Move Over Cash-Out Refinance: 3 Mortgage Marketing Tips to Promote HELOCs  Digital Media Solutions

More consumers in 2018 are leaning toward applying for HELOCs rather than cash-out refinance loans. Targeting borrower segments interested in tappable ...


CFPB seeks half-million-dollar settlement with mortgage company over veteran refis  Mortgage Professional America

The Consumer Financial Protection Bureau has announced that it filed a complaint against Village Capital & Investment on allegations of deception. The CFPB ...


Why Are Mortgage Applications Declining?  The MReport

What has led to a decline in mortgage loan applications? A New York Fed report examines the trend based on consumers' experiences and expectations.


Mortgage rates dip for Tuesday  Bankrate.com

Several closely watched mortgage rates tapered off today. If you're shopping for a mortgage, see how your payments might be affected.


Mortgage rates trend down for Friday  Bankrate.com

Multiple closely watched mortgage rates fell today. See what that means for you if you're in the market for a mortgage.


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Americans' demand for credit declined over the previous year as expected, as mortgage interest rates rose, while the percentage of approved applications also ...


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Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


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Nigeria Mortgage Refinance Company Plc (NMRC) has appointed a Senior Advocate of Nigeria, Charles Adeyemi Candide-Johnson and Mr. Kehinde ...


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Important mortgage rate advances for Wednesday  Bankrate.com

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Mortgage lenders are again promoting more complicated loans, which offer benefits for wealthy borrowers but come with big drawbacks.


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U.S. home values hit a low for the downturn of $148,600 in February, 2012. At that point, millions of homeowners were “underwater” — they owed more on their ...


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A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


Factors to weigh when considering whether to refinance your home  Washington Post

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Mortgage rates higher for Tuesday  Bankrate.com

Several key mortgage rates climbed higher today. See what that means for you if you're in the market for a home loan.


Mortgage Rates Fall – Market Update  Zing! Blog by Quicken Loans

While stocks continued to struggle, mortgage rates did fall. That and more coming up in Market Update!


Brookfield refinancing London office building in European CMBS market  Asset Securitization Report

Brookfield Asset Management is tapping the European commercial mortgage bond market to refinance a 36-story office building in the City of London that it ...


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A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


Mortgage rates ease for Wednesday  Bankrate.com

Multiple benchmark mortgage rates receded today. If you're shopping for a home loan, see how that could affect you.


Checking on lunch kebabs: Has the home loan crackdown gone too far?  The Sydney Morning Herald

When Carla Jenkins recently sought to refinance a loan over a house she bought six years ago, she faced a very different vetting process from her bank.


Examining Refi Performance  The MReport

A new FHFA report looked at the refinance loans given through the HARP program and by Fannie Mae and Freddie Mac. Here's what it found.


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rates mixed for Tuesday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


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TFS Financial (NASDAQ:TFSL) was downgraded by equities researchers at BidaskClub from a “strong-buy” rating to a “buy” rating in a research report issued on ...


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Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a home loan, see how your payments might be affected.


Mortgage application activity rises on uptick in refinance volume  National Mortgage News

An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


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Grandma and grandpa may love to spoil the grandkids every Christmas, but they might want to hold off on spending too much on presents this holiday season.


Reverse Mortgages Can Create An Elder Care Lifeline  27east.com

Aside from his real estate practice at Douglas Elliman, Michael Daly holds a certification from the Seniors Real Estate Specialist Council, a branch of the ...


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...


Refinance mortgage rate moves up for Friday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. If you're in the market for a mortgage, see what that means for you.


Refinance mortgage rate advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate advanced. If you're shopping for a home loan, see what that means for you.


Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider  Forbes

Mortgage rates are rising. Does that mean it's time to refinance? About 85% of you just shuddered at the thought of refinancing as rates climb. Hear me out.


Refinance rates rise for Tuesday  Bankrate.com

Multiple key refinance rates moved higher today. If you're shopping for a home loan, see what that means for you.


Torontonians go for a run in speedos — for charity  Edmonton Sun

Around 50 runners make their way around Yorkville during the 11th annual Toronto Speedo Run on Saturday December 15, 2018. Clad in nothing but running ...


Best Mortgage Lenders  Bankrate.com

The best mortgage lender isn't the same for everyone.That's why we compiled a list of best mortgage lenders for first time home buys to those looking for their ...


Rocket Mortgage Review  Bankrate.com

Rocket Mortgage from Quicken Loans lets you apply for a mortgage in minutes using nothing more than a smartphone app.


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate sunk lower. See what that means for your chances of scoring a killer refi rate.


Refinance rates fall for Saturday  Bankrate.com

Multiple key refinance rates trended down today. If you're in the market for a home loan, see what that means for you.


When and How to Refinance a Personal Loan  Bankrate.com

If you're thinking about refinancing a personal loan, check these factors first.


Credible Brings the Power of Its Marketplace to Mortgages  Credible News

We set the standard for transparency in the student loan industry. Now we're out to do the same for mortgages.


Refinance rates slide for Wednesday  Bankrate.com

Several key refinance rates declined today. If you're shopping for a mortgage, see how your payments might be affected.


Refinance mortgage rate ticks higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate.


Refinance mortgage rate eases for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you're shopping for a refi, see how your payments might be affected.


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were down. If you haven't locked a refi yet, see what that means for you.


Mortgage refinance candidates cut by half in the past four months  National Mortgage News

The number of mortgage borrowers for whom it made sense to refinance declined by nearly half since the end of last year and is at its lowest since November ...


Government set to launch affordable housing project next week  Capital FM Kenya

NAIROBI, Kenya, Dec 12 - President Uhuru Kenyatta says he will launch the first affordable housing project in a week's time. Speaking during the 55th - Kenya ...


Refinance rates decline for Thursday  Bankrate.com

Multiple benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


What It Takes to Refinance a Jumbo Loan  NerdWallet

Refinancing a jumbo loan, a mortgage over $484350, in most cases, and up to $726525 and even higher in some high-cost areas, can result in big savings and ...


Potential refi market falls 40% as mortgage rates keep rising  National Mortgage News

The spike in 30-year fixed interest rates, at a time of continuously rising home prices, has pushed home affordability to its lowest level since 2009, and cut ...


Refinance rates move higher for Tuesday  Bankrate.com

Several key refinance rates rose today. See what that means for you if you're in the market for a home loan.


Mortgage rates decrease for Wednesday  Bankrate.com

Multiple benchmark mortgage rates ticked downward today. The average rates on 30-year fixed and 15-year fixed mortgages both receded. The average rate on ...


Mortgage refinance share jumps 5% despite rising interest rates  HousingWire

The refinance share of mortgage activity increased a full 5% from December to January, rising to 45% of all closed loans, according to the latest Origination ...


Refinance rates drop off for Thursday  Bankrate.com

Multiple key refinance rates receded today. If you haven't locked a refinance yet, see how your finances could be affected.


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