Accelerated Banking Review – Scam Or Legit?

Today we will be reviewing a program called Accelerated Banking. Is it legit? Find out in this Accelerated Banking review.

Let’s face the truth here: properties are expensive. If you want to own a nice home, it can take years to pay for it. If you want a good home that will last years, you are looking at millions of dollars worth of expenses.

Being able to make afford a home for your family will definitely make them happy, and they could benefit from the home in generations to come. Besides, it is a good investment. Knowing that you will be retiring in a good home is exciting, and definitely fulfilling.

Accelerated Banking claims that it can help you out, so let’s take a look at what it can do to help you get that dream home.

Before you decide to sign up for this program, you should read this Accelerated Banking review first.

DISCLAIMER: This is a fully independent review. I’m not affiliated with Accelerated Banking in any shape or form whatsoever.

But before I start …

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Accelerated Banking Overview: Quick Details

  • Name: Bill Von Fumetti
  • Founder: Sam Kwak, David Bruce
  • Website: https://acceleratedbanking.com/
  • Socials: N/A
  • Type: Mortgage solutions
  • Niche: Real estate
  • Recommendation: Taking advantage of this program still has risks, so I hope you take care of that first before signing up.

What is Accelerated Banking?

Accelerated Banking Review - Logo

Have you considered the possibility of paying off your mortgage sooner than expected? Accelerated Banking offers the potential to achieve this goal, allowing for the possibility of reducing interest payments by up to 70% over a span of 5 to 7 years. This financial strategy presents an opportunity for individuals seeking to expedite their path to financial independence.

Imagine a future where concerns about carrying mortgage debt into retirement are alleviated. With Accelerated Banking, they promise that such worries could become a thing of the past, providing a sense of relief and the ability to pursue larger investment ventures with confidence.

If you find yourself eager to embark on a journey towards a debt-free existence or seeking a smoother route to wealth accumulation, Accelerated Banking may offer a viable solution.

Who are Sam Kwak and David Bruce?

Accelerated Banking Review - Sam Kwak

Sam Kwak and David Bruce introduce a groundbreaking solution that has the potential to significantly decrease mortgage interest payments by up to 70%, without the need for refinancing, extra payments, or increased income.

Their method goes beyond simple financial savings; it serves as a shield against economic instability like the current recession, offering protection for both homes and retirement savings.

David Bruce explains their approach, emphasizing that Accelerated Banking involves utilizing daily cash flow to transform how interest is calculated, even down to a daily level.

This strategy directs a greater portion of available funds towards paying off the principal balance, thus reducing overall interest expenses and hastening the journey to mortgage freedom.

David further clarifies that the crux of this strategy lies in utilizing a home equity line of credit (HELOC), regardless of its lien position, whether first or second. Understanding these distinctions is crucial. The essence of Accelerated Banking lies in employing advanced cash flow techniques to reshape interest calculations.

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How Does Accelerated Banking Work?

Accelerated Banking Review - David Bruce

David passionately contends that the optimal approach involves employing cash flow strategies to leverage one’s money effectively, steering clear of unnecessary interest. At the core of this strategy, aptly named Accelerated Banking, lies the potent ability to expedite mortgage repayment, potentially enabling homeowners to achieve debt-free status within 5-7 years while cutting down interest payments by a substantial 50-70%. This holds true for both existing homeowners and prospective buyers.

Sam, in alignment with David’s vision, expresses the objective of Accelerated Banking as empowering individuals to safeguard their hard-earned dollars. The emphasis is on equipping people with the knowledge and tools to redirect these funds towards various financial goals, including education, retirement planning, real estate investment, net worth growth, and the creation of generational wealth. The logic is clear and resonates with those seeking financial empowerment.

What is HELOC Mortgage Accelerator?

Exploring the realm of Home Equity Lines of Credit (HELOCs) unveils a versatile borrowing option tethered to the equity in your home.

Unlike the rigidity of a traditional mortgage, a HELOC extends a revolving line of credit akin to a flexible credit card, granting borrowers the freedom to tap into funds as required. This unique characteristic paves the way for a multitude of advantages associated with HELOCs.

While both HELOCs and traditional mortgages utilize your home as collateral, they diverge significantly. Unlike the fixed loan amount and repayment schedule inherent in a traditional mortgage, a HELOC empowers borrowers with a dynamic line of credit that can be accessed as needed.

HELOCs boast a plethora of perks, including convenient fund accessibility, potential tax advantages, and the option to pay only interest during the draw period.

Leveraging a HELOC can significantly amplify your financial maneuverability, providing a valuable resource for meeting diverse monetary needs.

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How does a mortgage accelerator work?

Diving into the realm of mortgage acceleration, one encounters a significant departure from the conventional 30-year fixed-rate mortgage. Rather than opting for the familiar fixed-rate loan, participants in a mortgage acceleration program embrace a variable-rate Home Equity Line of Credit (HELOC) as their primary mortgage instrument.

This innovative approach is offered by numerous lenders, catering to both prospective homebuyers and those seeking to refinance existing mortgages.

The allure of mortgage accelerator loan programs lies in their array of potential benefits. A standout feature is the integration of borrowers’ paychecks directly into the mortgage account, effectively curbing the average monthly outstanding principal balance subject to interest charges.

Remarkably, this principle holds true even if the month concludes with the principal balance mirroring its initial figure.

Another noteworthy advantage is the daily accrual of interest within the framework of this plan. Furthermore, the surplus from deposited paychecks retained in the account by month’s end may surpass what would typically contribute to the mortgage’s principal balance under a traditional amortizing mortgage.

In such instances, early retirement of the principal ensues, truncating the mortgage term and yielding substantial interest savings in the process.

Limitations of mortgage accelerator loans

When considering mortgage accelerator loans, it’s crucial to gauge their suitability for individuals with steady inflows of cash surpassing their outflows. Those experiencing negative cash flows might find themselves perpetually augmenting their mortgage debt.

A notable downside of the mortgage accelerator loan program could be its potentially higher interest rate compared to traditional mortgages. This discrepancy is particularly pronounced in environments witnessing rising interest rates, owing to the inclusion of a Home Equity Line of Credit (HELOC), typically featuring a variable rate.

It’s essential for borrowers to weigh these factors carefully and assess their financial circumstances before committing to such a loan structure.

Final Verdict – Accelerated Banking Review

As enticing as Accelerated Banking sounds, it’s imperative to scrutinize its potential downsides before diving in headfirst. While the promise of paying off your mortgage in record time and slashing interest payments is undoubtedly appealing, there are inherent risks and limitations to consider.

First and foremost, the program’s effectiveness hinges on a crucial prerequisite: consistently having more income than expenses. For individuals with fluctuating or negative cash flows, the prospect of continuously adding to their mortgage debt looms ominously.

Furthermore, the allure of mortgage accelerator loans may be overshadowed by their higher interest rates, especially when juxtaposed with traditional mortgages.

This disparity becomes glaringly apparent in environments marked by rising interest rates, exacerbated by the inclusion of a variable-rate Home Equity Line of Credit (HELOC) within the program’s framework.

Ultimately, the decision to embark on the Accelerated Banking journey necessitates careful evaluation of one’s financial circumstances, risk tolerance, and long-term goals. While the program holds promise for certain individuals, it’s not a one-size-fits-all solution.

Proceeding with caution and seeking comprehensive financial advice are paramount to safeguarding your financial well-being in the face of potential pitfalls.

Before You Leave…

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