Frequently Asked Questions
Here are the answers to the most frequently asked questions. If you still have
questions or if you need further clarification on any of the subject matter, feel
free to send us an email or give us a call. We are here to help.
questions or if you need further clarification on any of the subject matter, feel
free to send us an email or give us a call. We are here to help.
Q- How do I know that mortgage acceleration really works?
Mortgage acceleration has been working for over 20 years for homeowners around the world
and has been working for our clients for years. When you start using the same tools the
banks use, you are no longer at the bottom of the financial food chain. You are controlling
your financial situation with mathematical certainty.
Q- Why do the other companies charge so much more than you do?
This was one of the factors that lead to the development of the SMARTFLEX 10. We have
been working with and perfecting this system years before it started to become popular in the
U.S. and have found that most companies make the process too complicated, some throw in
useless software and too many people trying to get paid.
Q- If I own more than one property do I have to buy separate accounts for each?
No. When you purchase the SMARTFLEX 10, we will include the same service for any
property you wish to include for the one-time fee. Just a reminder that each property will need
to have their own separate mortgages
Q- What is the SMARTFLEX 10 ACCOUNT?
The SMARTFLEX 10 ACCOUNT is a system that combines the features of a traditional
checking account with a home equity line of credit (HELOC) that allows the homeowner the
ability to pay off their 30 year mortgage in one-half the time or less without increasing their
monthly expenses.
Q- Does it matter if I get paid on a weekly, semi-monthly or monthly basis?
No. You treat the SMARTFLEX 10 ACCOUNT just like you would a regular checking account.
As you are paid during the month you deposit your checks and pay your bills the same way
you are doing now. Additionally, the SMARTFLEX 10 ACCOUNT can allow a homeowner to
pay their bills in ways that are more advantageous.
Q- Do you have access to my money?
No. We will assist you in obtaining your SMARTFLEX 10 ACCOUNT and provide you with the
plan that is best for your situation along with step-by-step instruction to obtain the best results
and ongoing unparalleled education, but we have no access to any of your accounts or funds
in any way. You are always in complete control.
Q- Can anyone qualify for a SMARTFLEX 10 ACCOUNT?
No. The two main qualifications for obtaining a SMARTFLEX 10 ACCOUNT are having a
positive monthly cash flow and having some equity in your home. We have several options
available to try and fit as many situations as possible, but the SMARTFLEX 10 is not for
everyone. Please remember that even if you may not currently be able to qualify, we will
assist you to improve your situation if you desire.
Q- Why didn’t the bank offer me this program?
Why should they? The banks are making a ton of money on home mortgages. You will be
using the same tools the banks use to build wealth for yourself instead of them. Because this
type of program is gaining popularity at such a rapid rate, some lenders are making this type
of program available to someone who asks for it, but we have seen very few lenders promote
something that lowers their profit margins.
Q- Why do I need to apply for a line of credit?
The SMARTFLEX 10 ACCOUNT uses a particular kind of line of credit called a home equity
line of credit (HELOC) that allows you access to a specified amount of your homes equity and
at the same time contains all of the features of a checking account such as unlimited check
writing, electronic transfers and a credit card, any of which can be used to pay your bills and
for other monthly expenses. The unusual combination of benefits that the HELOC offers
along with our years of experience and knowledge is what allows the system work to your
advantage as well as it does.
Q- Do I make monthly payments to the HELOC?
Yes, but not in the usual method you are used to using to pay a bill. Since you are depositing
your checks throughout the month, these deposits act like a payment and also lower the
outstanding balance of the entire account which reduces the amount of interest you are being
charged. This off- setting of interest charges is one of the main components of the system.
Q- Do I need to refinance my current mortgage to make this work?
No. It is not required to refinance your existing mortgage. One of the options that are
considered during the process of formulating your personal plan, is to compare the results
that you will receive if you use your current mortgage and the results you would receive by
using the various options that are available. Since all loans are different, each loan will
produce different results and then you will be able to make an informed decision about what
is in your best interest.
Q- Can I use this for my savings account?
Any money that is deposited into this account will be credited toward the balance and is
reducing the amount of interest being charged to the account. This works for you in two ways;
first it is reducing interest charges allowing more money to go directly to reducing principal
and you still have access to the available money in the account. Because of these factors, it
can make more sense to keep your extra money in the account instead of a traditional
savings account that pays little interest (taxable). We always advise that you consult with a
qualified financial professional.
Q- Is this the same as a bi-weekly payment plan?
No. The bi-weekly plans that became popular back in the 80’s were plans that resulted in
making two extra payments over the course of a year and resulted in the shortening of a 30
year mortgage by about 3 years. The SMARTFLEX 10 requires no extra payments and will
cut a 30 year mortgage by at least 15 years.
Q- What if I sell my house?
Your SMARTFLEX 10 is based on the mortgage on your home and will terminate when the
mortgage terminates, but can be started again when you purchase your new home. The only
way the account will affect your property when you sell it is in the amount of equity you will
have to use toward your new home.
Q- Do I need to change banks?
No, you can keep your existing bank account if you wish. Although many people find it
unnecessary to maintain extra accounts since the SMARTFLEX 10 performs all the functions
of their regular checking account and rewards them more than a regular savings account.
Q- Is customer service important?
Yes. That is why we offer service and education that is second to none. To get the most out
of the program you need to have your questions answered and have someone who is aware
of any changes in the economic world and your personal financial situation, that will be able
to assist you with the little twists that life can throw at us from time to time or possibly avoid
them to begin with.
Q- Can I do this on my own?
With all the information you have received, you could attempt to do something similar but you
would probably not get nearly as good a result since you probably don’t have access to the
kind of super computers and years of experience it took to put together the kind of system the
SMARTFLEX 10 provides.
Q- Can't I accomplish the same results by just making extra principal payments?
NO. First, making extra payments is taking available money and making it unavailable. Your
extra payment would reduce the principal but you would no longer have access to it. The
SMARTFLEX 10 was designed to rapidly reduce principal, increase cash flow and offset
interest charges (much more quickly than by making extra payments) without changes to your
current spending habits
Q- I just recently got my loan (or refinanced), does the SMARTFLEX 10 still make sense?
Most likely. Remember that the SMARTFLEX 10 was designed to accelerate any mortgage.
When you fill out the Worksheet, we will be able run your individual scenario and present you
with several options including what happens if you do nothing at all. After reviewing your
options, how much you will benefit should be very clear.
Click here to fill out SMARTFLEX 10 Worksheet
ALWAYS REMEMBER- to consult a properly licensed financial professional for advice.
Mortgage acceleration has been working for over 20 years for homeowners around the world
and has been working for our clients for years. When you start using the same tools the
banks use, you are no longer at the bottom of the financial food chain. You are controlling
your financial situation with mathematical certainty.
Q- Why do the other companies charge so much more than you do?
This was one of the factors that lead to the development of the SMARTFLEX 10. We have
been working with and perfecting this system years before it started to become popular in the
U.S. and have found that most companies make the process too complicated, some throw in
useless software and too many people trying to get paid.
Q- If I own more than one property do I have to buy separate accounts for each?
No. When you purchase the SMARTFLEX 10, we will include the same service for any
property you wish to include for the one-time fee. Just a reminder that each property will need
to have their own separate mortgages
Q- What is the SMARTFLEX 10 ACCOUNT?
The SMARTFLEX 10 ACCOUNT is a system that combines the features of a traditional
checking account with a home equity line of credit (HELOC) that allows the homeowner the
ability to pay off their 30 year mortgage in one-half the time or less without increasing their
monthly expenses.
Q- Does it matter if I get paid on a weekly, semi-monthly or monthly basis?
No. You treat the SMARTFLEX 10 ACCOUNT just like you would a regular checking account.
As you are paid during the month you deposit your checks and pay your bills the same way
you are doing now. Additionally, the SMARTFLEX 10 ACCOUNT can allow a homeowner to
pay their bills in ways that are more advantageous.
Q- Do you have access to my money?
No. We will assist you in obtaining your SMARTFLEX 10 ACCOUNT and provide you with the
plan that is best for your situation along with step-by-step instruction to obtain the best results
and ongoing unparalleled education, but we have no access to any of your accounts or funds
in any way. You are always in complete control.
Q- Can anyone qualify for a SMARTFLEX 10 ACCOUNT?
No. The two main qualifications for obtaining a SMARTFLEX 10 ACCOUNT are having a
positive monthly cash flow and having some equity in your home. We have several options
available to try and fit as many situations as possible, but the SMARTFLEX 10 is not for
everyone. Please remember that even if you may not currently be able to qualify, we will
assist you to improve your situation if you desire.
Q- Why didn’t the bank offer me this program?
Why should they? The banks are making a ton of money on home mortgages. You will be
using the same tools the banks use to build wealth for yourself instead of them. Because this
type of program is gaining popularity at such a rapid rate, some lenders are making this type
of program available to someone who asks for it, but we have seen very few lenders promote
something that lowers their profit margins.
Q- Why do I need to apply for a line of credit?
The SMARTFLEX 10 ACCOUNT uses a particular kind of line of credit called a home equity
line of credit (HELOC) that allows you access to a specified amount of your homes equity and
at the same time contains all of the features of a checking account such as unlimited check
writing, electronic transfers and a credit card, any of which can be used to pay your bills and
for other monthly expenses. The unusual combination of benefits that the HELOC offers
along with our years of experience and knowledge is what allows the system work to your
advantage as well as it does.
Q- Do I make monthly payments to the HELOC?
Yes, but not in the usual method you are used to using to pay a bill. Since you are depositing
your checks throughout the month, these deposits act like a payment and also lower the
outstanding balance of the entire account which reduces the amount of interest you are being
charged. This off- setting of interest charges is one of the main components of the system.
Q- Do I need to refinance my current mortgage to make this work?
No. It is not required to refinance your existing mortgage. One of the options that are
considered during the process of formulating your personal plan, is to compare the results
that you will receive if you use your current mortgage and the results you would receive by
using the various options that are available. Since all loans are different, each loan will
produce different results and then you will be able to make an informed decision about what
is in your best interest.
Q- Can I use this for my savings account?
Any money that is deposited into this account will be credited toward the balance and is
reducing the amount of interest being charged to the account. This works for you in two ways;
first it is reducing interest charges allowing more money to go directly to reducing principal
and you still have access to the available money in the account. Because of these factors, it
can make more sense to keep your extra money in the account instead of a traditional
savings account that pays little interest (taxable). We always advise that you consult with a
qualified financial professional.
Q- Is this the same as a bi-weekly payment plan?
No. The bi-weekly plans that became popular back in the 80’s were plans that resulted in
making two extra payments over the course of a year and resulted in the shortening of a 30
year mortgage by about 3 years. The SMARTFLEX 10 requires no extra payments and will
cut a 30 year mortgage by at least 15 years.
Q- What if I sell my house?
Your SMARTFLEX 10 is based on the mortgage on your home and will terminate when the
mortgage terminates, but can be started again when you purchase your new home. The only
way the account will affect your property when you sell it is in the amount of equity you will
have to use toward your new home.
Q- Do I need to change banks?
No, you can keep your existing bank account if you wish. Although many people find it
unnecessary to maintain extra accounts since the SMARTFLEX 10 performs all the functions
of their regular checking account and rewards them more than a regular savings account.
Q- Is customer service important?
Yes. That is why we offer service and education that is second to none. To get the most out
of the program you need to have your questions answered and have someone who is aware
of any changes in the economic world and your personal financial situation, that will be able
to assist you with the little twists that life can throw at us from time to time or possibly avoid
them to begin with.
Q- Can I do this on my own?
With all the information you have received, you could attempt to do something similar but you
would probably not get nearly as good a result since you probably don’t have access to the
kind of super computers and years of experience it took to put together the kind of system the
SMARTFLEX 10 provides.
Q- Can't I accomplish the same results by just making extra principal payments?
NO. First, making extra payments is taking available money and making it unavailable. Your
extra payment would reduce the principal but you would no longer have access to it. The
SMARTFLEX 10 was designed to rapidly reduce principal, increase cash flow and offset
interest charges (much more quickly than by making extra payments) without changes to your
current spending habits
Q- I just recently got my loan (or refinanced), does the SMARTFLEX 10 still make sense?
Most likely. Remember that the SMARTFLEX 10 was designed to accelerate any mortgage.
When you fill out the Worksheet, we will be able run your individual scenario and present you
with several options including what happens if you do nothing at all. After reviewing your
options, how much you will benefit should be very clear.
Click here to fill out SMARTFLEX 10 Worksheet
ALWAYS REMEMBER- to consult a properly licensed financial professional for advice.
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