All in One Loan


The All in One Loan allows many borrowers to lower their loan’s principal faster and save tens of thousands of dollars. 

All in One Loan Introduction

Example of Savings

Sample Client with Traditional 30 Yr Mortgage
Loan Amount: $558,263
Mortgage Terms: 30 Yr Fixed
Mortgage Rate: 3.75%
Mortgage Age*: 24 Months
Net Household Income: $144,600/yr
Household Expenses: $115,680/yr


All In One Loan Comparison
Interest Saving: $75,208
Pay-Off: 13.3 Years

*References current age of exsitng loan in number of months. Conventional payment example of a $500K 30 year loan at a fixed rate of 4.875% (5.0% APR) with a loan-to-value of 20%, homeowners insurance of $600/yr and property taxes of $2,700/yr with 360 payments of $2959.11.

How does it work?

It’s works like a checking account where funds deposited in the checking account help offset the balance of your loan, reducing the amount an daily accruing interest.

What’s the greatest benefit?
Provides the flexibility for borrowers to use their income to reduce the mortgage interest costs.

What type of loan is it?
It’s a first lien position, 30 year open ended mortgage line of credit tied with an embedded transaction sweep checking account.

What can it be used for?
New home purchases and mortgages refinances of primary residences, second homes, and 1-4 unit rental properties. Loan amounts us to $2,000,000.

Call us today for a free consultation – (866) 655-0466

All in One Loan Background
Why the All In One Loan, Why Now
The All In One Loan: It’s Just Math, Not Magic

“It’s amazing how quickly I can see my balance go down while not changing any of my spending habits.”



“I love being able to manage my own money, make it work for me. I have been waiting for something new and this is it.”



“Flexibility, flexibility, flexibility! Need I say more?”



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City 1st Mortgage Services, LLC. ( is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Jason Richardson at City 1st Mortgage
27416 Tourney Rd #160 Valencia, CA 91355
Program and Rate Examples

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