What is the EquityGenie™ System?
The EquityGenie™ System is a money management strategy and software package that teaches smart and efficient money management. These are the same strategies Fortune 500 companies use.  The goal is the elimination of all debts, especially mortgage debt, in 1/3 the time.

The EquityGenie™ System is a complete package that teaches HOW it works and WHY it works. The EquityGenie™ System is also a road map that guides you towards eliminating ALL mortgage debt and using that equity to build a real estate portfolio.

Is the EquityGenie™ system a bi-weekly program?
NO. This is not a bad way to pay your mortgage, and it will work, but there are issues. The EquityGenie™ system offers many more options and works MORE THAN twice as fast. 

With a bi-weekly, instead of making one mortgage payment ONCE per month, ½ the payment is made every two weeks. The strategy is that over a 12 month period an additional payment, the 13th, is paid which generally accelerates a 30 year loan by 6-7 years.

However, many lenders won't accept a partial payment and some companies will hold those funds until the balance is received without applying it.  This kills the advantage. There are also third party companies that will provide this service for you, for a fee. We suggest you stay away from those people.

The EquityGenie™ system generally eliminates most mortgages in 7-9 years.

Do I have to make additional payments each month?
No and Yes. With the EquityGenie™ system, ALL income is driven towards your mortgage so that all money is applied towards the principal as quickly as possible.

All expenses are paid from the HELOC as LATE as possible. This allows your money to work for more effectively and reduces daily interest expenses.

Does The EquityGenie™ System work with an "Interest Only" or "Neg Am" or "Option ARM" loan?
YES.  The EquityGenie™ system is driven by cash flow and these loans afford you the best cash flow with the most flexibility. These loans are actually the best to have for the mortgage acceleration technique.

Does someone else control my money?
NO. YOU have total control of all your money. The EquityGenie™ system is not connected to your accounts in any way.

Since I deposit all my income into my mortgage, how do I pay my bills?
Your HELOC will essentially replace your primary checking account. You will keep a minimal amount of money in your personal account and use your HELOC checks for most of your bills.

Interest rates on HELOC's are going up and is higher than my first loan, does the EquityGenie™ System still work?
YES.  Your HELOC interest rate can be up to 2.5 times HIGHER than the rate of your first loan and the EquityGenie™ system still works to your advantage.

Does the EquityGenie™ system work if I have little or no equity?
YES, but it takes a little longer to “get moving” depending upon positive cash flow.  The the EquityGenie™ system can also work if you have insufficient equity (or credit) to get a HELOC, and that HELOC can be replaced with cash you have available.

What if I have a second mortgage already?
That could be an issue.  Depending upon the size, what type it is, and your positive cash flow, it may be advisable to wrap them together in a new loan. We have exclusive lenders that know EquityGenie™ system inside and out that can help you with that.

NOTE: The interest rates on your loans is NOT as critical as you would think, and even if the new loan is HIGHER than the loan being paid off, with the EquityGenie™ system it usually STILL makes sense.

If I have a pre-payment penalty is that a problem?
Probably not.  Most pre-pay penalties allow you to pay 20% of additional principal each year. If your cash flow is that great that you could EXCEED that, you either dial it down to stay within that 20% limit or just pay the penalty on the EXCESS over that amount.

This is a good problem to have. Most of the time, even with the penalty it's still better to just pay down the mortgage as fast as possible.

Does the EquityGenie™ system work if I’m self employed?
YES, sometimes even better, since your income may come in more frequently, and even if you have months WITHOUT positive cash flow, that’s OK.  Look at your ANNUAL Income over a 12-24 month period. As long as you MAKE more than you SPEND, the EquityGenie™ system will work.

Does the EquityGenie™ system work if I have bad credit?
YES, but it depends on the types of loans you have right now and if those credit issues could limit getting a HELOC if you do not have one.

We have exclusive lenders that know EquityGenie™ system inside and out that can help you with that.  They can fast-track loans to our clients. Some loans have been done the same day.

Does the EquityGenie™ system work if I’m living “paycheck to paycheck”?
Theoretically yes, but the EquityGenie™ system is NOT a cure all for those with a negative or marginal positive cash flow. 

The EquityGenie™ system is fueled by excess income. As long as you make more than you spend, applied mathematics will work to your advantage.

You mention the use of a credit card.  Is this critical?
NO. The credit card is an advanced technique that allows you to use your money to maximum efficiency.  The EquityGenie™ system works with and without a credit card.

How do I know the EquityGenie™ system will work for me?
If you have POSITIVE CASH FLOW, it's a mathematical certainty that the EquityGenie™ system will work.  It takes no time to learn the basics, but there are nuances that become more clear as you understand it better.

You say that I'll pay off my house in 7-9 years, but I don't think I'll be here more than 5 years. Is it still worthwhile?
Absolutely!  Imagine that your loan balance was reduced by 50% in 5 years! You will have MUCH more equity than if you did things as "usual".

That's why "hybrid loans", like 5 year ARMS, work so well.  If you knew in 5 years your balance was reduced by half, would you care if that rate then became adjustable?  (The answer is NO since your new PAYMENT would be based on the lower principal balance.)

Does the EquityGenie™ system work with more than one property?
Absolutely! Each property is targeted one at a time and we have clients with lots of properties.  After each successive mortgage is paid off, you move on to the next. 

It's usually advisable to tackle RENTAL property first, eliminate the debt service, and maximize the cash flow.  This is exponential and actually PICKS UP SPEED as you pay off successive rental properties.

Does the EquityGenie™ system work in any state?
YES. Texas is the only state that has restrictions on second mortgages and lines of credit, so there needs to be some modifications done.  We will show you how that is done.

I have heard of mortgage companies that offer first mortgages that seem to do the some thing that the EquityGenie™ system does.  Two of them are Macquarie and CMG.  How are they different?
Both those companies offer new LOANS, first mortgages with many of the characteristics of a HELOC. They allow direct deposits INTO the loan and check writing capabilities OUT of the loan. 

The EquityGenie™ system works great with these types of loans!  Not only do you get convenience of the combined loans but also the tracking, discipline and efficiency of the EquityGenie™ !

I'm in Nevada and I was approached about Tardus.  Many of your testimonials say that they wished they had done the EquityGenie™ system instead.  Why?
Because The EquityGenie™ system teaches the same methods for a MUCH lower price. Tardus costs nearly 3 times what the  EquityGenie™ system does.

Are you there to "hold my hand" when I can't figure it out?
Of course, but it's not as hard to implement as you may think.  We have found that after 30-60 days most of our clients have very few questions. 

We also have extensive training videos, a strong forum community, and a fanatic support staff to help you if you get stuck.

Why haven’t I heard of this before?
The methodology actually came from overseas, and has been adapted over the years to the very un-consumer friendly mortgage industry in the United States.

Mortgage Acceleration loans are actually very common in Australia, New Zealand, Great Britain, and other countries, so the GOAL of accelerating your mortgage is not new.

The EquityGenie™ system has incorporated the best of these techniques and we teach you to “think like a bank” and not the way it’s “always been done”.  These are not new ideas, just different, unconventional ways of looking at your money.

A friend referred me to United 1st Financial. They set this up as a kind of MLM (multi level marketing) Plan. How do you differ?
For one, we are NOT MLM, but we do have a two tiered affiliate program so you can profit from selling the EquityGenie™ system if you desire.

Secondly, the United 1st program sells for almost double what the EquityGenie™ system does.  Also, we offer many other benefits that they don't. 

We also have live seminars and included online courses that teach everything from real estate investing to credit repair.  We also include many home study courses that are worth more than we charge for the EquityGenie™ system.

Also, our software also has many features that theirs does not. Simply put, we offer WAY more for one-half the price.

I'd like to offer the EquityGenie™ system to other people. Do you have a reseller or affiliate program?
Of course. We have a two-tiered affiliate program.  You can sign up for the affiliate program and earn up to 65% on each sale you make.  Just go to the affiliate program and sign up.

It sounds too good to be true, so it must be a scam, right? Here’s a question for you: if we told you that if you paid on your 30-year mortgage for 22 years and you STILL owed ½ of what you borrowed, would you believe it?

You should, because it’s true.  With a 30-year loan it’s not until year 22 that the principal is reduced by half and MOST principal is paid in the last 7 years. This is what we’ve been taught as “normal”, but it’s not very smart nor financially sound.

The EquityGenie™ system effectively takes that 30-year amortization chart and turns it upside down, so you pay off most of your principal in the FIRST 7 years (or less), NOT THE LAST.  Does it sound too good to be true?  It probably does, but the techniques used are 100% legal, ethical, practical, and mathematically provable.

But more importantly, they are EFFECTIVE.  The EquityGenie™ system is based on applied mathematics and is designed to make your money work for YOU in a whole new way!