The All in One Loan is a 30-year Home Equity Line of Credit linked directly to a checking account. It is not a niche product or a workaround. It is a fundamentally different approach to how a mortgage works. Instead of paying interest on your full loan balance for decades, your deposits reduce what you owe every single night, and interest is calculated only on what you actually owe that day.
The All in One Loan is a fully legitimate mortgage product that uses daily interest calculation to work in the borrower’s favor, not the bank’s.
HOW IT WORKS
Traditional Mortgage vs All in One Loan
Traditional Mortgage
- Interest calculated on full balance monthly
- Payments applied to interest first
- Savings sit idle in a separate account
- Fixed 30-year payoff timeline
- Extra payments reduce principal but not payment
All in One Loan
- Interest calculated on daily balance
- Deposits reduce principal immediately
- Cash flow offsets mortgage balance daily
- Payoff accelerated by your own income
- Full access to equity at all times
THE BENEFITS
Why Borrowers Choose the All in One Loan
Faster Payoff
Most borrowers pay off their home in a fraction of the time, often 7 to 15 years instead of 30. The daily sweep does the heavy lifting without requiring extra payments or lifestyle changes.
Less Interest Paid
Because interest is calculated daily on a lower balance, the total cost of the loan drops significantly over time. Many borrowers save tens of thousands, sometimes more, compared to a traditional mortgage.
Full Liquidity
Your equity stays accessible through the line of credit at any time. There is no need to refinance or take out a separate loan to access funds you have already built.
THE EBL CONNECTION
Meet the Equity Builder Loan
The All in One Loan is the product category. The Equity Builder Loan is what Todd Crane and Aaron Keyes call it, and it is what they have built their practice around. While most mortgage advisors offer dozens of products, Todd and Aaron have gone deep on this one because they have seen firsthand what it does for the right borrower.
They have helped over 500 homeowners through the process. They know every nuance, every qualification requirement, and exactly who this loan works best for. If you are a strong candidate, you will be in very good hands.
500+
Homeowners helped
7-10
Average years to payoff
$100k+
Potential interest saved
IS IT RIGHT FOR YOU?
The All in One Loan Works Best When...
You Have Consistent Income
The more cash flowing through the account each month, the harder the loan works for you.
You Save Regularly
Borrowers who carry a balance month to month see the biggest benefit from the daily sweep mechanic.
You Want to Pay Off Faster
Paying your home off sooner frees up serious cash flow. Whether that goes toward retirement, investments, or your next property, the math compounds in your favor.
Not sure if you fit the profile? Todd and Aaron offer a no-pressure conversation to help you figure it out.