Enjoy a Mortgage Free life and begin your journey to wealth creation sooner.
Join the thousands who have already paid off their home.
Payoff your home in 5-7 years and save on average $50,ooo!
Watch the video below for more information.
Welcome to AMP!
Should you pay your house off?
A 4% 30 year Mortgage is actually 72% interest?
What is the value of AMP?
"I paid off 2 houses ($250k debt, now valued at $350k) in 5 years with a $60k-$90k salary using this method" - Spencer Collazos
Accelerated Mortgage Payoff Results
Utilize the unique home debt pay-down process taught in Accelerated Mortgage Payoff (AMP) and reap these benefits!
Payoff your home in 5-7 years
Save on average $50,000 on your home interest
Use your home as a bank for all future debts - have access to home's equity (At current rates a $40k car would cost you $266 a month)
Consolidate all current Debt (At current rates a $50k debt would cost you $333 a month)
Be in a position to capitalize on investment opportunities
Increase your emergency fund by tens of thousands of dollars
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Example 1
Save $49,521!
Payoff Time: 6.91 Years
Mortgage Debt: $200,000
Mortgage Interest Rate: 3.5%
Monthly Savings: $2000
Example 2
Save $53,221!
Example 3
Save $157,000!
Example 4
Save $88,271!
Payoff Time: 8.17 Years
Mortgage Debt: $280,000
Mortgage Interest Rate: 4.25%
Monthly Savings: $2300
Example 3
Save $96,500!
Payoff Time: 6.07 Years
Mortgage Debt: $260,000
Mortgage Interest Rate: 4%
Monthly Savings: $3000
Example 6
Save $75,875!
Payoff Time: 8.76 Years
Mortgage Debt: $320,000
Mortgage Interest Rate: 4%
Monthly Savings: $2500
Welcome
Welcome to Accelerated Mortgage Payoff (AMP), your gateway to a transformative journey towards paying off your home in 5-7 years and saving on average $50,000-$90,000 in interest using the power of a Home Equity Line of Credit (HELOC).
Congratulations on taking the first step towards financial freedom and becoming a master of your mortgage! I decided to create this course after I paid off 2 houses, now valued at $350,000, in 5 years using this technique. It was very easy and I think everyone should be aware of this process and strive to execute it. If you don't want to continue on to financial freedom, this concept is at the very least an incredible budgeting tool to free up stress and opportunity.
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Here at AMP, we believe that achieving your goal of debt-free homeownership begins with mindset and comprehension. Our comprehensive course goes beyond traditional strategies by focusing on empowering you to develop the mindset necessary for success. We firmly believe that with the right mindset and full understanding of this process, you can overcome any financial obstacle and pave the way towards a brighter future.
Unlock your full financial potential
Through our expert guidance and proven techniques, you'll gain a deep understanding of how to leverage a HELOC effectively. We'll equip you with the tools to navigate the intricacies of this powerful financial instrument and harness its potential to accelerate your home payoff timeline and interest savings. Imagine the joy and satisfaction of owning your home outright, 23 years ahead of schedule.
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Get ready to unlock your full potential and embark on a journey that will forever change your financial landscape and allow you to begin wealth building. Join our community of like-minded individuals who are committed to taking control of their mortgage and shaping their financial destiny. Together, we will redefine what's possible and create a future where your debt-free home is not just a dream, but a fully realized accomplishment.
Welcome to Accelerated Mortgage Payoff (AMP), where mindset meets mastery and the dream of a mortgage-free life becomes your reality. Let's begin this transformative journey together!
Meet The Owner
Spencer Collazos
Founder & CEO of Accelerated Mortgage Payoff
My name is Spencer Collazos and I discovered this method using the HELOC in 2018. After getting the idea from my dad, I was able to pay off 2 homes now valued at $350,000 in just 5 years. I did this while serving as an officer in the U.S. Army making between $60,000-$90,000 (Promotions, deployment, etc.) a year. My father has since mastered the process, and has paid off close to 1 million dollars worth of properties combining this philosophy with business.
I am a graduate of the United States Military Academy and have served 9 years in the Army including 3 deployments to Iraq and Afghanistan. As the owner Accelerated Mortgage Payoff, our number 1 priority is serve our clients as best we can and to maintain high standards of integrity and character.
AMP Services
Join the team and receive the following services!
Consultation
Get 1 on 1 video consultation(s) with an AMP professional to create a personalized plan for you.
Set up your finances to optimize your life
Learn how to and put into effect the most optimal way to move and manage your money.
Save you time and help you avoid pitfalls
Learn how to navigate bank products and avoid bank traps.
Access to self paced Course
Utilize a simple 8 step program that takes you from start to finish accompanied by videos.
Learn Mathematically why the AMP Process works
Once the AMP process is fully understood, you will be able to personally optimize your finances.
Hold you accountable
Everyone needs a life coach. If you sign up, we will do our best to keep you on track and remind you to complete milestones.
AMP Network Blog
Be apart of and have access to a blog where our community can share issues and solutions.
Download AMP budgeting Tool and Mortgage/HELOC calculator
Keep these files for life and continue to use them as you pay off your house and buy future real estate.
Help you solve problems
There are an incalculable number of issues you might run into. We have the experience to steer you in the right direction and help you overcome obstacles
HELOC / Mortgage Comparison Tool
See how much interest you will save and when you will pay off your house!
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Contact Us
Unsure if you qualify? Try the Mortgage/HELOC comparison tool! Click the button above!
Send the team an email with your concerns. If able, please send an email with the following information:
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Name
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āEstimated Home value
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Current Mortgage Loan Balance
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Current Mortgage Loan Type (30 year, 25 year etc)
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Current Mortgage Interest Rate
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Current Age of Mortgage in months
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Do you pay any extra on your mortgage currently - How much?
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Total Savings Currently
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Average Monthly Savings
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Total Debt - not mortgage related
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Total monthly debt service payments - not mortgage related
Commonly Asked Questions
1. How do I become qualified for the course? Am I the right person for the course?
a. Receive a "qualified" rating on the HELOC / Mortgage Comparison tool.
b. Have a credit score of at least 640.
b. Have at least 10% to 20% of equity in your home (including down payment).
c. Take action.
2. What if interest rates increase?
a. Based on the speed at which you can pay off your loan, we will mathematically see which rate maximum will still allow you to pay off your home early and if you will save interest. Say the HELOC rate was at 8% on a $230,000 loan at the Mortgage was at 4.25%, and you were able to save $2,000 a month. With that circumstance, your comparison loan effective APR (Rate that the Mortgage would need to meet to cost the same as the HELOC) that first year would actually be 2.012% based on the speed of your principal paydown. The standard Mortgage would still be 4.25%. In this scenario the total interest percent on your mortgage would be 44% and the HELOC would be 24%.
b. Many banks offer first year rate locks at .99% or 1.99% with a maximum yearly rate hike of 1% or 2%.
3. What are the HELOC's closing costs?
a. Typically banks will pay the closing costs on HELOCs.
4. How long do HELOCs last?
a. This varies by banks, but typically, 10 to 20 years. Over this time you can freely draw and deposit money at will.
b. After the loan reaches its lifecycle, you can refinance to a new HELOC if you want to.
5. How do I move money in and out of the HELOC?
a. We recommend you select a bank with an online account, where you can move money the same way you would move money from a Checking to a Savings and vice versa. You will select “transfer money” or a similar option, select how much money to move and its done. With online accounts, there is typically no limit to how many times you deposit or take money out of the HELOC (or it is very high ~ 100 times), however, some banks do have more restrictions. Some banks also have value restrictions; for example, if over $10k you have to call the bank, or if over $50k.
6. What happens to my Mortgage?
a. Your original Mortgage is paid off by your new HELOC (this can be with different banks as well, the same as a refinance).
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Good luck on your journey and Debt free home!
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