5) "a one-of-a-kind tonic for people who want to keep their balance sheets healthy in a time of skyrocketing house prices...." Contra Costa Times,6/10/05

Here is what actual Accelerator customers are saying...

1) I am a loan officer and saw this amazing loan in August 2006 for the first time. I was so intrigued, I started doing research by calling everyone I could find to see “what the catch was”....as I found out there was no catch only the fact that it allows the borrower to have financial freedom, and pay their home off dramatically faster. When I finally saw this clearly, I had my own application in pronto, and was one of the first people to have this loan with in Minnesota! This has really worked to my advantage in several areas: personally because I am on the path to financial freedom and with my clients because they have great comfort when their own Loan officer has the same program for their personal loan. Eric Metzler, Sr. Mortgage Banker, Great Rivers Mortgage, St. Paul, MN.

2) “At first glance, the Home Ownership Accelerator™ loan seemed too good to be true.  After hours of research and many conversations [with our loan agent] we could not find any reason to not move forward with the process.  From start to finish, we were impressed with the communication and follow through...  When our loan closed, it opened the door to use the equity in our home effectively by investing in our first rental home.  We would definitely recommend the Home Ownership Accelerator ™ loan to anyone looking to invest in their future!” -Marcus & Laura, Enumclaw, WA.  Clients since 11/2005

3) "I love to see my mortgage balance go down at such a quick pace. It makes you not want to spend extra money, but I also enjoy the security of knowing that if an emergency arose that there is cash available in our account to use without having to get a loan or use a credit card." Kathryn L. - Grand Rapids, MI

4) "I love the fact that my balance decreases significantly... I cannot believe how just being a little more aware of leaving my money in the account the longest possible time will make me free of mortgage debt soon..." Janet R. - Jacksonville, FL

5) "That I am in control of what my money is doing for our house principal and not the bank." Andrea D. - Elk Grove, CA

6) "I love the fact that I can deposit everything into one account and know that every unspent dollar is going towards minimizing my monthly interest payment now, even if I need the dollar at a later date. I love the flexibility for getting the money out such as using the time/direct withdraw card, check book, and online transfer." Michael B. - Waterloo, IA

7) "I like the concept of having my money work for me as it sits waiting to be spent." Todd C. - Fullerton, CA

8) "The reduction of principal as well as the availability of funds. No worry about checks clearing prior to making it to the bank. Using the money for my benefit instead of the bank using it for theirs." Jennifer B. - Federal Way, WA

9) "I like that it reduces my principal, and thus reduces my overall interest paid." Alison D. - Seattle, WA

10) "Excellent product." Brian P. - Citrus Heights, CA

11) "The online bill paying, status check of accounts and ease of program is great. It takes a while to figure out the "system", but things are getting a lot better." Gina P. - Tacoma, WA

12) "We had some unexpected expenses so our balance has not gone down, it was nice to have the seamless credit available as needed." Dean A. - Tigard, OR

13) "Our debt reduction has been good and it is a confidence builder that we access to our equity when needed." Fred F. JR - Auburn, WA

14) "I like the bill paying and ability to pay just before due dates. I also like the ease of use with the debit card." Dan H. - Payallup, WA

15) "I like the ability to use my account as a home equity line of credit. I also like the ability to reduce my mortgage much more quickly." Mark T. - Camarillo, CA

16) "I love being able to manage my own money… to make it work for me. I’ve been waiting for something new and this is it!!" Anonymous

17) "Not having to make monthly payments and having all direct deposits from work go toward reducing the principle is fantastic." Rebecca W. - Shoreline, WA

18) "Flexibility, flexibility, flexibility! Need I say more?" Fredrick H. - Puyallup, WA

19) "I like the feeling of interaction with my mortgage. I feel like my money is working for me and my family in a way that other mortgages don’t. I also like the idea of having all of my banking needs available in one place." Kelly K. - Crockett, CA

20) “The Home Ownership Accelerator™ should be the first mortgage considered by anyone serious about ever paying off their mortgage.” -Keith Zachow CPA, CVA, Livermore, CA. Omega Valuations

21) “Layoffs in our area about three years ago left us in a predicament.  We had great credit, starting our own new business, and a rather large equity.  We wanted to sell, free up some obligations and downsize.  The home didn’t sell due to a housing slump.  Then, our troubles began.  Accidents and broken bones are a part of life, but why they have to wait until you DON’T have insurance is amazing, along with uncollected funds from clients…We decided once again to look for financing.  I didn’t want to give up the freedom of the home equity loan.  I had even expressed a desire to find a way to refinance the home mortgage but still have it like an equity line of credit so we could access our own money without all the loopholes.  When we heard about this loan, I was completely engaged as he explained the concept.  I actually was probably still ahead of him knowing where I wanted this loan to go in the way of services.  It was all that!  We literally paid all the other loans off, and having done nothing else, have watched the principal go down dramatically…If you have any questions about how it works or you just need to be reassured, the support is there and the old fashioned art of customer service is still alive and well.” -Glen & Vickie, Arlington, WA.  Clients since 10/2005