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HI Rob,

Wow, that was quick. Yes, I am very, very happy with the program. I've been in it for about four months. I just made my third payment which was $300 less than my first payment. The first payment was about $1170, and this most recent onewas about $870.

We had rolled two car payments, 2 credit cards, and a mortgage all into the HELOC. The monthly payments of all those prior to the refinancing was over $2,500 per month. Now it's all down to $870. According to my math, it'll be down to less than $840 next month.

It was good timing for us...we threw our tax return at the balance, and interest rates have gone down...so that all helped. It seemed to good to be true, but it is working just like Bill said it would.

We try to get our income into it every month as quickly as possible to

drive down the balance. My paycheck is now direct deposited into the

HELOC. It all seems weird, but it's working very well. Our principal

balance has dropped from over $200,000 to less than $190,000 during

Those four months...that would not happen with a conventional mortgage.

 

I'm not sure what else to tell you...ask me any questions you have on your mind.

Karl