Accelerate the re-payment of your commercial mortgage the Money Management Account Software.

The "Accelerated Re-Payment Program"
For Conservative
Commercial Real Estate Investors

"The best way to save millions of dollars
by paying off your commercial mortgage early,
without affecting your lifestyle"

The principles behind Excelsion Mortgage's Accelerated Re-Payment Program for commercial real estate loans, utilizing UFirst's "Money Management Account" (MMA) Software (or good budgeting advice), are simple:

You use:

An advanced line of credit (ALOC), in combination with
Your flexible commercial real estate loan, and
Sophisticated money management software (or good budgeting skills) to
Pay your commercial income property's bills instead of using your traditional checking account.

The Accelerated Re-payment Program, available through Excelsion Mortgage, consists of three main components:

Fully amortizing permanent financing programs that allow for significant annual pre-payment without penalty.
Sophisticated money management software to allocate funds at the proper time to the reduction of primary mortgage principal and reduce secondary interest expense. This step can also be managed through good budgeting with your accounting professional.
An advanced line of credit that allows for checking account-like access to funds.

Under the Accelerated Re-payment Program, monthly property income reduces the line of credit while paying bills increases it. The MMA software manages the timing of payments and income to increase principal reductions on your commercial mortgage while minimizing interest expense on the ALOC. Since you can never have a negative balance on the ALOC, the software tells you when it is safe to make additional payments to the mortgage (using more of the credit line) based upon your income and spending patterns.

EARLY RE-PAYMENT IS BETTER

The key advantage is that principal reductions in the early years of an amortized loan's life have a dramatic impact on the Total Cost of the loan over time. This is easily seen by comparing the total of payments of a 25 year loan to that of a 30 year loan. The latter requires an additional sixty payments!

With commercial mortgage backed securitization (i.e., CMBS or "Conduit" Loans), it was impossible to turn the tables on the amortization formula. ANY early pre-payment delivered stiff penalties to the borrower through Lock Out, Defeasance, or Yield Maintenance clauses. However, with Wall Street out of real estate finance for now, the flaw in their loan programs can now be addressed.

Also, the "old way" of pre-paying loans simply focused on increasing the overall payment over time, missing the major contribution that early re-payment of principal has on Total Interest Cost Reduction.

However, with the sophisticated MMA software and a flexible advanced line of credit, you can now mazimize early principal payments with the effect of paying off your loan in 7 to 13 years, instead of 25.

REVERSE CHECKING

Another way to think of the ALOC is as a "reverse" bank account. Income from your property at the beginning of the month brings the ALOC back down to $0. Paying bills during the month increases the balance on the line. Any difference between all paid bills and income at the end of a month can be used to pay down the principal balance of the primary commercial mortgage (provided that it gives you that flexibility). The more you do this in the early years of the mortgage, the faster it gets paid off and the greater your interest savings.

This process is absolutely the best way to reduce the Total Cost of your commercial financing.

For an example of how this software works and the stunning savings that it can deliver, please download this file:

Commercial Accelerated Re-Payment Example.pdf

Once you have had the chance to review the simply amazing effects of early and aggressive pre-payment, please give us a call so that you can get the MMA software and accelerate the re-payment of your commercial loan today.

Call 888-578-5441 x1 to get set up an Accelerated Re-Payment program for your commercial property now.

Total Cost Reduction Analysis Appointment Request

To discover how much money you can keep for your self or your
estate on your commercial financing, please complete the simple form
below. We will contact you with some appointment times from which
to choose. Please allocate 30 minutes for your appointment. Stop
giving your money to your bank and start keeping it for your self and
family.

Your Information

*Name:
*Email:
*Phone:
*Fax:
*Occupation:
*Street Address:
*City:
*State:
*Zip Code:

The Appointment

*Preferred Days of the Week:
*Preferred Times:

The Property

*Full Address:
*Property Type:
*Value:
*Current Loan Balance:
*Remaining Term (Months):
*Do you need to refinance?:
*Purchase Date:
*Original Down Payment:
*Total $ of any improvements:

Financial Goals

*Your current age:
*Year when you want to retire:
*Risk tolerance (low, med., high):
*How many properties you own:
*Estimated personal credit score:
*Married or single:
*Number of children:
*Ages of children:
What else should we know?:

Note: Fields with an * are required

Excelsion Mortgage is a direct lender offering commercial loans for real estate investors and small business owners (SBA 504, including construction to permanent) and other commercial investment resources. Excelsion Mortgage is a d.b.a for C. S. Higdon, Inc. and operates under California Department of Real Estate broker's license number 01425676. Excelsion Mortgage is an Equal Opportunity Lender. Privacy Policy: Excelsion Mortgage will never, ever sell, rent, trade, exchange, or barter any personal information of its clients at any time.