How To Pay Off Your Mortgage In 5-7 Years - 2023

[@TheKwakBrothers]

⭐⭐⭐COMMONLY ASKED QUESTIONS / ARGUMENTS ANSWERED HERE⭐⭐⭐ 👉 1. Why is this Better than Paying Extra into the Mortgage? We call these people, "Extra Payment Pagans"... We have a special video that explains why our strategy is BETTER than extra payments: kzbin.info/www/bejne/eJ3UiIJnZbWGa8U 👉 2. Where Can I get More information On This? Once you download our free calculator, you can schedule a free consultation with us afterwards:chopmymortgage.com We'll answer more questions such as "I don't have enough equity", "I have inconsistent income", etc. 👉 3. Where Can I Get the Calculator? Right here: chopmymortgage.com 👉 4. How is it possible to Pay Off the entire Mortgage with a HELOC? With a 2nd lien HELOC, it's hard to pay off the existing mortgage balance in full unless you have more than 50% equity. However, with a 1st lien HELOC.. you can completely replace the mortgage in full. It's technically a refinance to do so but you're going from a 30-year mortgage to a 1st lien HELOC instead of refinancing into another 30-year mortgage which resets your amortization clock. 👉 5. I still Don't Get This... How do I learn more? You can watch our FULL 60 Minute Explanation Seminar here: acceleratedbanking.com/free-virtual-class?sl=chopmymortgage 👉 6. Doesn't this require a TON OF DISCIPLINE? Actually, no! My team has created a complete system to either automate the entire process OR minimize the effort down to 30 minutes a month at most. There is an initial set up process but after that, there is little to no on-going maintenance. We do have software programs that can track results and progress for you. 👉7. What if the Bank SHUTS DOWN MY HELOC or FREEZE it? So this happened quite a bit back in 2008-2012 market crash. It's first important to understand WHY banks close/freeze them. Back in 2008-2012, banks closed them on homeowners who were either underwater OR had TOO much debt with no asset. The other common reason why is that the homeowner either abandons the home, does something illegal with the property, or defrauds the bank with false information. Ever since 2012 Dodd-Frank Act, there are MORE protections for the consumers/borrowers of HELOCs. Plus, out of the 1000s of clients we have for the past 5 years, we had yet to have a client lose their HELOC due to shut downs or freezing. So it's VERY rare! 👉8. Why SHOULD You pay off your mortgage in the first place with really low rates? Please watch 2:05 to 9:05 again because you definitely missed it... 👉9. Can I see an actual calculation and math behind this strategy? Like an Excel sheet and exactly how the money is being saved? Yes, we have our partner, David Bruce, give you a COMPLETE mathematical breakdown of this on an Excel Spreadsheet. He made a video for you here: kzbin.info/www/bejne/f6HZf6Jnrc9-aqs 👉10. Where can I see some results and testimonials? Here you go: acceleratedbanking.com/results1646941792157 We are also an A+ Accredited Organization through the Better Business Bureau (BBB) - www.bbb.org/us/il/warrenville/profile/real-estate-consultant/the-kwak-brothers-0654-1000017204 AND we currently hold the EXCELLENT status on TrustPilot: www.trustpilot.com/review/thekwakbrothers.com SO EVEN AFTER ALL THIS, IF YOU STILL DON'T BELIEVE... WE TRIED OUR BEST TO REPRESENT THIS AMAZING CONCEPT AND A HOPE FOR A FUTURE WITHOUT A MORTGAGE. WE APOLOGIZE THAT OUR LACK OF ARTICULATION HAS STOPPED YOU FROM BEING ABLE TO UNDERSTAND.

[@GOOGLE-ADMlN]

fear doesn't SELL! THE VIEW COUNTS TELL YOU WHAT TYPE OF CHANNEL YOU ARE!! And what sense does it make for you to claim the world is over but he lets clear out your debt before you die?!🫠

[@sfsfuzzy3597]

He is a liar ! He depends on people being so ignorant at math and interest rates that he can lie to the. And they not know !

[@sfsfuzzy3597]

You are a liar ! Mortgage is not front loaded with interest that’s a lie ! And average daily balance is not cheaper than calculating on a monthly basis! You lied about heloc rates too you can’t get one less than 10% right now !

[@sfsfuzzy3597]

You are a lose

[@umartariq7092]

So what you are selling works but the conventional wisdom of putting extra money in your mortgage doesn't work..seems convenient lol

[@gingerkilkus]

Mortgage rates are currently at an all time high since 2000(23 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market.

[@KarlyNoorda]

The stock market is no different, to maintain profit, you need to have some in-depth knowledge on the market.

[@fadhshf]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@hasede-lg9hj]

In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 4 years to consistently build my portfolio in preparations for retirement.

[@LucasBenjamin-hv7sk]

@@hasede-lg9hj my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@LucasBenjamin-hv7sk]

my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@winniethepoohandeeyore2]

I overpay my principal every month since the first payment was due. Already knocked almost 7 years off the life of the mortgage in 3 years.

[@ckkbleev]

I'm just now looking into doing the same as a potential first time home buyer, but if you put an extra $200/mo on a 400k purchase, would it really make a huge difference?

[@WyMustIGo]

And you did it with NO RISK unlike the HELOC.

[@winniethepoohandeeyore2]

@@WyMustIGo Yep, come Jan 25, will add another $10 or depending on the size of the COLA, add it all.

[@winniethepoohandeeyore2]

@@ckkbleev Yes it would!

[@liljaysdaddy]

You sold me on your strategy but more importantly you sold me on Jesus Christ being your Lord and Savior. AMEN and keep up the great work by brother in Christ.

[@SCH3XMix]

Been thinking about using a Heloc for a while. This video has nudged me. Thanks for sharing your knowledge and your faith! God Bless!

[@christopherbaranet]

I paid my mortgage 13 years early. This is not rocket science. Any extra cash you have you go to the bank and pay it to the principal. Thats it! You don't need a KZbin video to tell you how.

[@TheKwakBrothers]

Congratulations on paying off your mortgage early! It's true that making extra payments to your principal is a tried-and-true method of reducing interest and shortening the life of a loan. Our approach at Accelerated Banking isn't strictly about making extra payments; it encompasses a broader strategy that involves efficient cash flow management and could potentially amplify the effectiveness of paying down a mortgage. Some homeowners find this structured method beneficial in aligning their financial goals with actionable steps.

[@forged_billions2]

What do you do after it’s paid off ?

[@InflationProof28]

Actually there's a faster way without doing what you mentioned.

[@marcelrodriguez2067]

Lmao easier said then done when taxes keep going up amont other expenses lol

[@TB12DAGOAT]

Just hit the principle, budget your $ really good, stop buying things you don't need, and you can pay off your home easily between 7-10 years

[@WyMustIGo]

Yep. The young folks today buy all kinds of crap they don't need, and they do so with consumer credit. I did the same thing 30 years ago when I was 30, but back then we did not have $1000 phones and other useless garbage. The KEY is to live within your means and only buy with cash when it comes to things you do NOT need. And with cars, well buy what you can afford. You don't need a $50,000 car and if you are making good money you can afford to buy that 50k car with CASH.

[@juneduncan3695]

Much needed info. We have owned 6 homes and the 4th new home we put on 10 year note and paid biweekly. In doing this our last 2 homes we paid in cash. I think of scripture do not be a slave to the lender.

[@aegrimm5777]

it took me watching this a couple times to catch the mistake! yes, your DAILY interest is $16.43 but if you are not going to be making a $5,000 payment daily so that interest will multiply by the number of day there are no payments - most of us will be paying that loan monthly not daily - 30 or 31 days at $16.43 adds up quickly - that is a minimum of $492.90 interest per month!

[@julienbriegel7987]

Every example he used is wrong. Just another guru on the internet!

[@PhillipRegton]

He is stupid

[@InflationProof28]

​@@julienbriegel7987that's why my strategy is a lot better than this one. I'm going to do a reaction video on this and show my strategy. Stay tuned.😊

[@macross2ii]

Paying off debt with higher interest debt makes no sense. You’re better off applying that $5000 on day 2 to your principal then charging everything to your credit card and paying it off on the payment deadline. Of course that takes discipline which many people don’t have.

[@TheKwakBrothers]

Your point about discipline is spot on - it's a critical component of any strategy that aims to pay down debt, and our approach at Accelerated Banking certainly requires discipline as well. As a matter of fact, it takes discipline to make any positive changes to your life. Be it your health, habits, relationships, money, etc. However, the method we teach is not about incurring higher interest debts, rather it's about effectively managing cash flow and using certain banking products in a strategic manner to potentially lower overall interest payments and accelerate debt repayment. The strategy can be counterintuitive at first glance, and it's more nuanced than simply making additional payments to principal or using credit cards for expenses. It involves a personalized plan that optimizes the flow of your money and takes advantage of the unique flexibility these financial products offer. For a better understanding of how this might align with your financial situation, we often recommend attending our webinar. It's a great opportunity to learn how clients have successfully used these strategies and to have a deeper look at how they could potentially be applied to your own financial goals.

[@moliverna]

you don't get it dude. The heloc is not amortization loan so its a lot different.

[@1mw4tch1ng]

you made it sound like people have to pay the loan for the life of the loan. Most people would sell their house once the house is too big for them due to kids are grown and have moved out. Since most home values increase and loan amounts decrease the person selling the house would have positive equity during the sale and the leftover loan amount would be paid by the proceeds of the sale. As you deposit the full amount of your paycheck (bi-weekly) to pay the heloc where is the money coming from to pay the 1st mortgage on a monthly basis if you're depositing all the paycheck into the heloc? Does this mean you're using the heloc to pay your 1st and the heloc amount would increased again.

[@Sensei__Nate]

Do you really make money or are you just getting that money back from the interest you already paid? It seems like you make all this money when you sell but in reality, how much of it is the interest you threw away compared to the rest of the sale money

[@KenyBrown-ku8xj]

👏👏👏🙏😌 Thank u, I love when people with sense make it, make sense this is extremely helpful

[@Hamromerochannel]

All one has to understand is you are paying interest on your principle every year/month. Every payment will reduce the principal from left over after interest is paid. So your interest will reduce by how much you reduce the principal and how fast as well. Have not thought through, and done the full mathematics how it works for later years when interest rates will become smaller and smaller.

[@GodofWarChuka]

Nice video. I’m applying for a home equity loan now at my credit union. I just have 2 questions. Is a home equity loan the same thing as a Heloc? And can you pay on your Home Equity loan as often as you want? Like weekly? Or Biweekly? Thanks

[@alexmiller236]

Yes it’s the same thing. Loan = line of credit.

[@scottvaj4434]

Yes. HELOC= Home Equity Line Of Credit

[@GodofWarChuka]

@@scottvaj4434 Thanks. I just got mine going last week. Consoladated some high interest credit cards. The Heloc is nice to, for some home improvements.

[@sfsfuzzy3597]

Please do not fall fir this scam ! He lied to you ! Mortgage interest is not front loaded ! Why did he start taking about how many times you are going to move ? Just to confuse you with the lies ! He is a liar and a cheat! You do not save money with his method ! Heloc has higher interest rates and is almost always variable so they can raise the rate even higher ! It is not saving you money ! If you pay extra on the mortgage the amortization schedule Changes he says it did not that’s another lie

[@sirtreebeard8106]

I was really hoping I could go down this route but then I found out even with $83k in equity it still wasnt enough to take out a HELOC. So just a good thing for people who were like me and didnt understand HELOC have a minimum before you can ever take it out. Also the state you live affects whether you can take a HELOC out. Maybe this is common knowledge but it wasnt for me.

[@tinianle]

the flaw in this argument is the assumption 30 yrs= 8.5 yrs there for 181k in 30 years > 50k in 8.5 yrs. this is like a math 1=2 we study in high school

[@dennisobrien2094]

Love it!

[@BillyNewton-b5t]

Thank u brother in Christ for the inform. hoping I can implemented these tools and apply them for myself seem like great ideals and savings are always a great thing

[@pbeech02]

But you would lose mortgage interest tax credit.

[@sfsfuzzy3597]

He ain’t a brother and he sure ain’t following Christ he is a liar and a cheat and of you think he did bot lie then you are stupid at math ! Mortgage does not have front loaded interest ! They can raise interest rates on the heloc that’s already higher and the heloc is always owed by the lender and never traded which means the bank gets sold or changed made and they can call your note ! That gives you 30 days to pay the note in full ! So now you do not have any money and they can foreclose on your home

[@sfsfuzzy3597]

@@pbeech02 that’s not the problem here his lies are the problem! Mortgage does not have frint loaded interest ! You are always better off just paying extra on your mortgage principal each month ! He is a liar and a fraud

[@ricardoli123]

It’s seems to me that you are pay back the HELOC that you got against the house you owe like taking money from one pocket and put on another and wearing the same pants. 🙋🏻‍♂️

[@sfsfuzzy3597]

Exactly and his method is full of lies ! Mortgage interest is not front loaded ! You can’t get a heloc as cheap as you can a mortgage! You pay more interest for no gain ! It’s always cheaper easier and less risk to just pay extra on your home each month!

[@jaytee1086]

​@@sfsfuzzy3597you're neglecting that the deposits/payments are higher than any minimum payments and that in itself negatives the future interest. ...so what is your argument now?

[@notreal5311]

​@sfsfuzzy3597 actually, while I dont agree with his strategy, mortage interest is front loaded. If you look at amortization schedule, assuming 300k and a payment of $1800 you are paying $1500 in interest and $300 towards principle. As time goes buy you pay less on interest and more on principle. If you pay off principle you move forward on your amortization schedule and skip the high interest percentage payments.

[@PrometheusGroup777]

A line of credit is reusable, a loan is not.

[@hinamirza6061]

Question! Arent HELOCs more interest than the actual mortgage interests? For example, I got my mortgage 10 yrs ago and I am at 4%, HELOC interest rate is more like 9%. So how is this beneficial? Thanks!

[@TheKwakBrothers]

I understand your concern about the interest rates for HELOCs compared to traditional mortgage rates. It may seem counterintuitive to consider a banking product with a higher interest rate, but the strategy Accelerated Banking teaches isn’t solely about the rate itself. It's about how to use financial products to manage your cash flow more strategically. Though your mortgage rate might be lower, the structured nature of mortgage payments typically means a larger portion of your initial payments goes towards interest. The strategy we teach makes use of the flexibility that certain banking options provide, allowing you to allocate your income in a manner that could minimize the interest accumulation through the reduction of principal balance. I would suggest checking out our video which explains how to pay off a low fixed-rate mortgage with a high-rate variable line of credit: kzbin.info/www/bejne/fnrZnmRtndSlZ9U It can provide a better understanding of how this strategy can be beneficial despite seemingly higher interest rates. Also, joining our webinar could provide a comprehensive explanation of this approach and answer the questions you might have: acceleratedbanking.com/webinar-registration-515174331635781964831?sl=

[@tyromegaddes]

Thank you for the information

[@AndorVisontay]

The first thing I ttought of is that this is simliar to manulife one account where the more mortage you pay off, the more access you would have to your equity and all your pay cheques go to this account and you would purchase groceries from there. The money that you dont spend stays in there and goes against your principal you owe and pay less interest for it. While all this sound good, its a higher interest rate to get this manulife account than a traditional mortgage. On second note, wouldnt it just simply make more sense to just pay for your groceries and gas from your cash than a heloc that you pay interest on?? I would say scrap the heloc idea and the manulife idea and dont pay extra payments on your mortgage. That $200 or $2000 you would have paid extra to your pricipal per month, give it to yourself instead to a tax free account (TFSA) in Canada, and earn a dividend on it that makes 8- 9%/yr as opposed to saving you on your mortgage rate 3 or 5%...Im sure there are other ways to get ahead aswell. Heloc is good for emergencies and better than a line of credit, but heloc should not be used for groceries or paying off your principal, lol. Thats like me paying of my VISA with my mastercard, but at a higher rate. While he did pay off his mortgage in 5-7 years, he now has a heloc to pay for for another 25 years. Only the feds can create money out of thin air, not you and me

[@ChefBobsLobstahTrap-je6jt]

Is a HELOC 's interest deductible like it is with a standard mortgage interest?

[@winniethepoohandeeyore2]

The deductibility of HELOC interest depends on several factors. According to the search results, the interest on a HELOC may be tax-deductible if the borrowed money was used to buy, build, or improve the home. However, if the loan is used for personal living expenses, such as credit card debts, the interest is not deductible. Before 2018, the Tax Cuts and Jobs Act (TCJA) limited the deductibility of home equity loan interest to loans used to buy, build, or improve the home. For tax years 2018 through 2025, the interest on home equity loans or lines of credit secured by the main home or second home is only deductible if the borrowed funds are used to buy, build, or substantially improve the residence. The search results also mention that the interest on a HELOC is deductible for up to $750,000 of indebtedness ($375,000 if married filing separately). For loans and mortgages taken out prior to December 16, 2017, the limit is $1 million ($500,000 if married filing separately). It’s essential to note that the interest on a HELOC is only deductible if the loan is used for a qualified purpose and the borrower itemizes their deductions. The standard deduction may be more beneficial for many taxpayers, especially with the increased standard deduction amounts. In summary, the deductibility of HELOC interest is similar to standard mortgage interest, but with some limitations and conditions. It’s crucial to understand the specific rules and regulations to determine if the interest on a HELOC is tax-deductible in your situation.

[@MM12684]

This should be part of every high school curriculum… maybe they would teach this if they weren’t too busy baking cookie cutter corporate zombies

[@TheKwakBrothers]

Amen to that!

[@101448]

@@TheKwakBrothers If we are going to own nothing and be happy why would we want to pay our mortgages off. There has to be another way. I appreciate the fact that you started out basically speaking of investments but have now started to include God and the bible in your videos because times like this calls for diligent prayer. I regularly pray that God will expose corruption on all levels so people can start to wake up.

[@sfsfuzzy3597]

Yes and if you think this is real then you should sue your school for not teaching you math ! He lied ! Interest is not calculated any differently on a mortgage than a heloc except that heloc is calculated on average daily balance and would be more !

[@101448]

@@sfsfuzzy3597 I learned that during the Obama Administration that writing in cursive was no longer being taught in schools so I guess when a person goes to sign for a mortgage they just print their names on the dotted line.

[@sfsfuzzy3597]

@@101448 he may include the word God but I can assure you God had nothing to do with the lies and misinformation tgis bastard is spreading ! It’s all lies

[@PsychNurse.]

Question ❓ What if I sell my house for $240k and purchase a house for $415k . Should I place full amount of $240k on this New home?

[@Fred2-123]

No. Put 20% down, put the rest into S&P500 index fund. When mortgage rates go down, refinance. I started out with 7.5% mortgage, refinanced several times as rates declined, ended with 2.5% mortgage.

[@sfsfuzzy3597]

@@Fred2-123 that’s not going to happen in the next few months or years ! Stupid idea ! You paying interest and you think leveraging your home makes sense? You need to go see them scammers that push velocity naming or the IUL scammers they line people that think like you ! You are easily manipulated

[@sfsfuzzy3597]

@@Fred2-123 I think you got lucky ! See I dint do luck ! I paid off my mortgage then saved and invested in mutual funds! The next house I paid cash ! Now not had debt in over two decades and a load of money in mutual funds and real estate that’s paid for! No longer have a need for life insurance either ! But I would never invest instead of paying off my home ! Paying off your home is the single best option you can ever make! I dint care about interest rates and my mutual funds made 25% just in the year 2023 ! In 12 months it made 25% and I have no debt !

[@rodrod1515]

Amazing video 🙏🏼🙏🏼🙏🏼

[@motorgazi70]

Can you please justify how this is going to be beneficial if the current mortgage rate is 5%, and the HELOC rates (THE BEST RATES BANKS OFFER) is around 10%??? This would work if both rates were the same but in this environment 100% won't work! Thank you

[@zacharyfloyd]

It's beneficial because of the difference in the amortization of the mortgage versus the simple interest on the line of credit. By making big chunk payments on the mortgage you jump way farther ahead in the amortization schedule which dramatically lowers the amount of interest you pay in the long run and speeds up the amount of time you will spend paying off the mortgage.

[@Fred2-123]

@@zacharyfloyd Wrong. Both are simple interest. Mortgage is balance times APR/12. HELOC is average daily balance times APR/365

[@phoenix2985]

If anyone knows math they should slap this guy. You sell the house after 5-7 years. Sure. What about Price Appreciation and you’re putting more down payment for next house. Paying long term debt with short term debt without generating additional income is stupid.

[@TheKwakBrothers]

I understand your concerns about handling debt. Our strategy is not necessarily about paying off long-term debt with short-term debt; instead, it's focused on leveraging financial products to manage cash flow more effectively. It's also not predicated on selling your home in 5-7 years. The goal is to save on interest and pay off the mortgage faster by optimizing the use of these products. Price appreciation is indeed a factor in real estate; however, our strategy can work independently of home price fluctuations. We certainly don't ignore the importance of equity and potential appreciation, but rather provide a way for homeowners to manage their debt more efficiently while potentially building equity faster. For a detailed discussion on how this strategy might work and how it considers appreciation, down payments on the next home, and overall financial health, I would encourage you to attend our webinar, where these concepts are explained with clarity: acceleratedbanking.com/webinar-registration-515174331635781964831?sl=assistant_Response It's a system designed with a homeowner's complete financial picture in mind, aiming for more than just debt shuffle.

[@julienbriegel7987]

As a financial professional it is so misleading to put garbage like this on the internet. You get 80% of your LTV. LTV = home value - mortgage owe. So if your loan is 100k and you haven’t paid a penny and the value hasn’t increase which wont happen the day after you close your loan, your loan to value is O and 80% LTV is 0. Get your facts straight and stop misleading people my friend!

[@TheKwakBrothers]

You're right if we're talking about a 2nd lien HELOC, but what I have eluded to in the video is a 1st lien HELOC.

[@julienbriegel7987]

That is misleading. I am a mortgage officer, this is false!!

[@AmbientMelodies1]

Miss these videos!

[@trinahymon4912]

I need help because I think I'm being robbed by my mortgage company

[@sfsfuzzy3597]

No this bastard is trying to rob you ! Your mortgage does not have front loaded interest ! And you can’t get a heloc for less interest so you are going to be paying more interest His way !

[@robertvazquez2964]

You should have just called this video how to beat the great reset 😂

[@TheKwakBrothers]

Yess!!

[@sfsfuzzy3597]

He sgoijd gage called it all lies ! He starts taking about how many times you love and he figures his way against refinancing etc he is a scam artist and you have to be really stupid at math to think he is correct he lied

[@Gordothemagicguy]

I’m retired and living in Spain. I have about 7 years left on my €130.00 loan with a 2% interest rate. Can this work with the Banks in Spain or will the banker look at me like I’m an Alien? Thanks for your wisdom!

[@sfsfuzzy3597]

You must be a total idiot at math ! You can’t be so stupid you think this is real

[@sfsfuzzy3597]

@ptaeiy it’s not compounded that is a lie ! A mortgage is simple interest and it’s not compounded at all ! You really need to learn the terms and how loans of each type actually work ! The interest on a heloc or any revolving line of credit that’s calculated on an average daily Ballance is not saving you money in any way ! You need to learn math ! If you start with 10,000 one the first day and go down to $9,000 the next day then 8,000 the next week then back to 10,000 the average daily Ballance is 9,000 and paying more interest on 9,000 is not saving you money! At no time will the mortgage more costly than a heloc !

[@sfsfuzzy3597]

@ptaeiy there is no compounding factor in a loan of either kind ! Let’s do the simple math ! $10,000 at 2% Apr means you are charged $16.67 per month in interest The next month you pay the interest only on the Ballance of the loan after you made the payment last month! So if you pay $500 each month then month 2 your interest is $10,000 plus $16.67 minus $500 ! That’s month interest is only $15.87 And so forth Now heloc loan will be 10,000 @9%apr adb So let’s say you start with $10,000 and pay 3,000 and then pay your expenses from it and that make it go back up to $9,000 then You pay interest on the average between $10,000 and $7,000 that would be $8500 and the interest on the $8500 at 9% will be $63.75 so you think paying $63.75 is less than $16.67 then you can’t do math ! And if you dint understand this equation then you dint have a clue how interest works on a mortgage or on a revolving loan

[@Dreygonfleye]

Do you have a calculator that factors in paying down 2 mortgages at once? Primary residence and investment property?

[@TheKwakBrothers]

Yes, we do have a calculator that can help you factor in paying down multiple mortgages, including a primary residence and an investment property. You can download it here: www.acceleratedbanking.com/calculator-download 😊

[@tinianle]

Please please dont listen to these guys. Duration is your friend! With government printing money, fiat currency, your money will lose value, $20k >>>20k in 15,30 yrs. These guys are sharks, they want to make money of you by giving you loans and services.

[@modernvintagelifestyles]

You keep saying "deposit your payment into a heloc" and then you show a lower balance. If I deposit 5k into a heloc that has 100k in it, I'll have more money in my HELOC (100k + 5k = 105k)....you're saying I'll have less money if I deposit money into my heloc??? Are you instead trying to say, pay down 5k of your mortgage balance with your heloc, thus reducing your mortgage balance by 5k and then pay yourself back by depositing your paycheck into your heloc?

[@TheKwakBrothers]

You're right. It seems there's a bit of confusion. When you deposit your paycheck into the HELOC, it reduces the amount you owe on the HELOC, not increases it. For example, if you have a $100k HELOC balance and you deposit $5k from your paycheck, your new HELOC balance would be $95k. The idea is to use the HELOC to pay off chunks of your mortgage and then use your income to pay down the HELOC. This process helps reduce overall interest costs and shortens the time it takes to pay off your mortgage. You might find this video helpful for a clearer explanation: kzbin.info/www/bejne/jpqaZoKGmrOqnKs.

[@OnTheSpurOfTheMoment]

Nonsense. You pay off your mortgage and end up with a massive loan. Bad advice.

[@TheKwakBrothers]

I appreciate your viewpoint, and it's certainly important to have a comprehensive understanding of any financial strategy. The concern about replacing one loan with another is a common one. However, our approach at Accelerated Banking isn't simply about replacing debt but about utilizing specific banking products to modify the flow of your money in a way that may reduce overall interest payments and help you pay down principal more efficiently. The goal is to potentially save you money and time on what you owe through personalized strategies. If you're curious about how this could work in detail and whether it could be a good fit for your situation, attending our webinar would give you a clearer picture. Thank you for your input, and if you have any more questions or concerns, we're here to discuss them.

[@DisabledVet317]

This video starts off with him saying “How to pay off your mortgage in 5-7 years without having to pay extra.” Yeah… we’ll see.

[@glycyldi]

Spoiler: You need to pay about triple monthly.

[@kennymuhleisen1857]

I’m confused you take out a heloc pay towards your principal. Now you have two loans , when you could just apply that payment to the principal. I also own multiple homes and just always just doubled principal.

[@willmallory9085]

6:27 Not if you add the equity from your previous home. That reduces the principal balance, reducing the interest payments

[@TheKwakBrothers]

But the question is... just how much equity did you really build in the first 5-7 years of your mortgage payments?

[@willmallory9085]

@@TheKwakBrothers i pay extra, and prices in FL are skyrocketing.

[@elitechampion]

This doesn't make sense. Equity increases your borrowing capacity, it doesn't reduce any repayments. Let's say your house doubled in price, the bank is now willing to loan you an additional $500k on top of your existing $500k loan. You don't just get to pay it off because you now owe the bank $1M.

[@willmallory9085]

@@elitechampion perhaps my scenario will help. While in the military I lived in the North Bay Area close to Napa Valley California where the average equity was $100K annually from 2000- 2006. The military moved me to Charleston, SC where new construction homes were $200K. I could've used the California equity and had a low mortgage to no mortgage depending on the final sale price including closing cost. Does this make sense now? Equity doesn't mean you have to buy a larger home; during the pandemic lockdown many NY'ers made cash offers in NW FL using their equity. Hope you get it now.

[@sfsfuzzy3597]

@@TheKwakBrothers you build more equity by just paying extra on your mortgage principal each month that’s the fastest and less risky way to pay down debt! You can’t save money by borrowing more money at a higher interest rate that’s just not possible

[@2dodger2]

Question: ( and great video). I paid off my first. But I have a $100,000 Heloc at 8% left. The Heloc is old so I can no longer borrow money on it for daily expenses. Can your strategy still work for me somehow?

[@TheKwakBrothers]

Thanks and glad you enjoyed the video! Even though your HELOC is fully utilized, our strategy can still help manage your cash flow to reduce your debt faster. It's all about leveraging incoming funds to reduce the balance efficiently. For a more detailed explanation, check this out: kzbin.info/www/bejne/jpqaZoKGmrOqnKs.

[@kellyeducre9821]

So how do you pay off your HELOC?

[@sfsfuzzy3597]

The sane way you pay off all loans you pay as much as you can and remember now you pare paying more interest so you are paying extra to have your home at higher risk ! Do you not think that since this has been around since the 1990s and you never hear of anyone that used this method to lay off their mortgage except on the scam KZbin videos

[@JacquelineLavielle-pp8db]

Thanks

[@sagargoyal4272]

You should put 5k in your mortgage instead giving to them.

[@whatsnext9657]

Just found your channel and subscribed because you are not ashamed of our Lord and Savior Jesus Christ

[@Ladydocfit78]

What does your mortgage score need to be for a HELOC?

[@pbdmd3688]

Is 1st lien HELOC available and allowed in Texas? I have 2 primary and 3 investment properties in Dallas TX. I would like to explore it for sure.

[@TheKwakBrothers]

In Texas, regulations for home equity lines of credit can be different due to state laws. You may find that the availability of certain types of financial products like a 1st lien HELOC is subject to specific restrictions. Since you have properties in Dallas and are interested in exploring this option, I'd recommend attending our webinar where we discuss various strategies and how they can be tailored to different states' regulations. This will give you a clearer idea of what's possible in Texas and how you might proceed with your investment properties. You can sign up for the webinar here: acceleratedbanking.com/webinar-registration-515174331635781964831?sl=

[@crystalchappell7270]

I have been in my mortgage for 7 years would this plan work for me since I'm close to the 10 year mark?

[@TheKwakBrothers]

Yes it can! Any extra money saved is a win!

[@sfsfuzzy3597]

It does not work at all ! It does not save you any money in interest that was all lies

[@borntobeventure]

Helocs are about 9.5% interest rate these days . I do not understand how this will work

[@TheKwakBrothers]

I understand your concern about current HELOC rates and the impact on using such a product effectively. While it's true interest rates are a significant factor, the strategy Accelerated Banking teaches is a cash flow management technique that doesn't solely focus on the interest rate of the HELOC. The core of the strategy is to utilize efficient cash flow tactics that can help to offset the effect of higher interest rates. It's a comprehensive approach that looks at your entire financial picture to strategically reduce interest costs over time. For a more detailed explanation of how our approach can work even in a high-interest environment, this video: kzbin.info/www/bejne/fnrZnmRtndSlZ9U walks through the process and may provide you with a clearer understanding of the method.

[@simonsuh227]

Hey thanks for the video. I've never heard of HELOC before so this was very intriguing. Just to double check if I understood it correctly, HELOC can really speed things up only if your monthly income greatly exceeds your monthly expense? Say that you are only left with $500 of savings each month, HELOC won't do any good?

[@sfsfuzzy3597]

You must be a total idiot

[@sfsfuzzy3597]

@ptaeiy you are so correct

[@GoElimin8Mortgage]

This strategy will work even if you are only $1 of savings every month.

[@sfsfuzzy3597]

@@GoElimin8Mortgage you are either an idiot or a liar and a fraud ! It does not save you one single penny and it does not pay off mortgages faster ! If you say that ot works then you are either an idiot at math or just a lying bastard ! I’m guessing a little if both ! But no it does not work ! And by work I mean it dies not do what they say ! In fact using this to pay off a mortgage will end up costing you a lot more and it adds a lot of risk ! I just helped two families that tried it both were in foreclosure on their home ! Both had tried this and had big amounts in heloc loans! Heloc not only cost you more in interest it does not have the safeguards as a qualifying mortgage does ! One family lost their home ! They got the heloc and put ot all on the mortgage! That did not really save them Money the same $15,000 in the mortgage at 4% interest means the $15,000 they paid saved them 50$ that month and each month, but in the heloc the $15,000 cost them $87.50 each month! So they not only did not save they lost ! The man had accident and could not work , the mortgage company let them pay interest only and move two payments to the rear of the mortgage! The bank holding the heloc got afraid they would lose because they were a second so they called the note and the couple had only 30 days to come to with $15,000 well it was only $14,000 by then ! They lost their home and all because they were stupid enough to believe the lies and not smart enough to see that math proves it does not work ! Of you sat it works then you are either a lying bastard or an idiot

[@sfsfuzzy3597]

@@GoElimin8Mortgage you are either a lying bastard or a fraud either eat you are trash not just trash ignorant trash ! VB does not work an anyone who says it she’s is a liar! We are coming after you lying bastards ! You cause innocent people to lose their homes you are a really ignorant scamming Bastard and we are coming after you

[@JudithMJuste]

Could this strategy also be used in Canada? 🤔

[@maritzacespedes9428]

Good video. Thanks for the info. Question how long i need to have the house for ask de heloc.

[@gernotritzau5948]

Most people have to put down 20% just to get the house to begin with...

[@aaronjennings8385]

Most people don't realize that 7% 100k loan is a 150% interest loan after 30 years, but a 12% 5k loc after 9 months or so, to full repayment is a 9% loc.

[@aaronjennings8385]

@thomasxxxxxx2345 1. Get a HELOC. 2. Pay off cards, a loan, or a lump sum off mortgage with the HELOC. 3. Use HELOC as a checking account. 4. deposit all funds into HELOC/account. All discretionary income goes to HELOC. Any money 5. Leave all surplus cash flow and discretionary income and savings in HELOC. 6. Pay off HELOC 7. Make lump sum payment from HELOC to mortgage. 8. Use HELOC as everything (checking savings retirement) account depositing any/all funds immediately into it. Every single paycheck. Use only this account for all expenses. 9. For a few extra dollars a week and some stuff, use a credit card. This card is fiddly and not necessary but makes points/perks/ cash back...etc. it is also paid off with the HELOC. Immediately always paid off on time. It never gathers interest and generates perks.

[@TheKwakBrothers]

That's a great point! Interest rates can be tricky, and understanding the math behind them is crucial. If you're interested, this video explains more about how these rates work and how our strategy can actually save you money in the long run: kzbin.info/www/bejne/fnrZnmRtndSlZ9U.

[@trinarobinson1052]

I calculated what my mortgage would be and it's not worth it to do a HELOC. Our interest is 3.625 and HELOC loans are at least 7.49 and higher. I am just going to hit it with principle only payments each month to get it down faster.

[@TheKwakBrothers]

I get where you're coming from. The key with our strategy isn't just about comparing interest rates. It's about leveraging your cash flow to reduce the overall interest paid and paying off your mortgage faster. For a detailed breakdown, check out this video: kzbin.info/www/bejne/fnrZnmRtndSlZ9U.

[@rrk8707]

With 10%+ returns in the stock market you should never pay off your mortgage faster. Only if your interest is 10%+

[@TheKwakBrothers]

While it's true that the stock market has the potential to offer significant returns, the decision to pay off a mortgage faster isn't solely based on the comparison of interest rates. It's important to consider factors like financial goals, risk tolerance, and the peace of mind that comes with being debt-free. Also, past performance does not guarantee future results in the stock market. It's also worth noting that investing in the stock market comes with volatility and risk, whereas paying off a mortgage offers a guaranteed return in the sense of interest savings and increased equity in your home. Our strategy at Accelerated Banking helps our clients to manage their cash flow and leverage banking products to potentially save on mortgage interest and pay off their homes faster, which may align with different financial goals compared to stock market investing. We do understand that every individual’s financial situation and investment strategy are unique. For more detailed information about our approach, you might find our webinar insightful: acceleratedbanking.com/webinar-registration-515174331635781964831?sl= This session could better illustrate how the strategy might fit within the broader context of your personal financial plan, including investment goals.

[@residue-er5dooo]

Amen

[@WyMustIGo]

A HELOC is good for debt consolidation when it comes to high interest credit cards or other junk IF you have good credit AND you have a lot of equity. But to be honest, you should not have credit card debt to begin with. The hard part is realizing that you do NOT need to have that widget today! Save for it or buy a cheaper widget. Financial freedom is what you want, and there is no easy way to get that without making good financial choices and having self control. Easy? NO... But nothing is easy and nothing is free.

[@aa-lk6jy]

So Basically u get the HELOC %% advantage daily savings rate on money u get paid. Verse no or low interest rate? So the higher interest rate 4 your HELOC the better as far as interest earned and pay out. Seems ok but better to pay extra on mortgage

[@sfsfuzzy3597]

You are really stupid at math ! Heloc is more interest and yes since it’s average daily balance it’s even more interest than a mortgage! Mortgage does not have front loader interest that’s a lie ! If you just pay extra on your mortgage each month you will save more money

[@GoElimin8Mortgage]

It works if you calculate the correct amount to use from the HELOC. If you get more than what you are supposed to, then you'll be paying more in interest.

[@tinayeo1962]

What are the fees involved?

[@digital_0630]

The calculator isn’t free. They want your info to sell to third parties. It says it right beneath your info 🤦🏻‍♂️

[@TheKwakBrothers]

Totally untrue... If you actually read our privacy policy, it literally reads the opposite. The entire policy is written to be very transparent about what we do with your information and how we protect it. We never sell or distribute your information to any 3rd party websites without your consent or otherwise compelled to do so as part of a legal investigation . All of the entities listed on our privacy policy are OUR companies and are part of a what's considered a "collective controlled group".

[@malaeolemateo8846]

How long or how many times can you use heloc? What happen if you can't make your payment with heloc account? Can the bank stopped your heloc?

[@TheKwakBrothers]

You can typically use a HELOC multiple times throughout its draw period, which often ranges from 10 to 30 years. If you can't make a payment, the bank could freeze or shut down your HELOC. For more details, check out this video: kzbin.info/www/bejne/j4uzkqiFmp1sb8U.

[@ikennaasiegbu8441]

Does this work in the UK?

[@TheKwakBrothers]

At this time, our primary focus is on providing financial services to American homeowners, and the specific strategies we teach are tailored to the financial products and banking environment in the United States. However, the principles of effective cash flow management and debt reduction can be universally applicable. If you're located in the UK, I would recommend checking with financial advisors who specialize in your local market for guidance more relevant to your country's financial products and regulations. While this might not be directly applicable to the UK, it could give you ideas to discuss with a local financial expert.

[@MotionWings37]

Loan amount depends on income.

[@chaosdragun1608]

Trading debt to pay off debt hoping to make a gain somewhere in the middle is reinventing a wheel that doesnt need to be. Im making off my mortgage in about 3 years with just extra payments and no funny business.

[@TheKwakBrothers]

That's awesome you're making significant progress on your mortgage with extra payments! The strategy we use is different but can be very effective for those who need more flexibility. It's less about trading debt and more about managing cash flow to reduce interest costs. If you're curious, check out this video explaining how it works: kzbin.info/www/bejne/jpqaZoKGmrOqnKs.

[@kellbell.8579]

So, is this like having a home loan with a redraw facility?

[@TheKwakBrothers]

Yes - but you're using it toward your advantage by having ALL of your income affect the balance of your loan. Thus, saving you money on interest

[@sfsfuzzy3597]

@@TheKwakBrothers you are a liar and a cheat ! Mortgage does not have front loader interest that’s a lie

[@benjamincrain4611]

getting "free" calculator only sent me back to a questionnaire😰

[@TheKwakBrothers]

After you submit the form, please check your email :)

[@specialorder9379]

I’m not a fan of this strategy. Like a shell game, I see it as only moving debt around. Just put an extra X amount toward your principal balance every 6 months to a year and you will chew away at it. Utilizing a 2nd loan HELOC isn’t smart because now you have a loan out (HELOC) and a mortgage bill coming in so you’ve effectively doubled the bills. The mortgage company will keep sending you a monthly bill as long as there’s a note to pay.

[@TheKwakBrothers]

Hey there! I understand that it feels like a shell game because that's how I felt when I first learned of this strategy in 2016. I have a different video that shows you the "WHY" of this strategy using real math. Check this out: kzbin.info/www/bejne/i4jaoneXfr6YiJo

[@TheKwakBrothers]

You may also appreciate the "blog" version of the video I just shared: home.acceleratedbanking.com/2024/04/18/heloc-to-pay-off-your-mortgage-why-does-it-work/

[@aron6998]

lol I wish my mortgage was 1800, mine is 3800 and we pay an extra 1200 per month towards principal which should cut out about 16 yrs

[@Claybraham91]

You do know that location is a massive determining factor right?

[@MrPreet23]

Pay off extra $300-400 a month with your payment that will knock off 13-14 year

[@TheKwakBrothers]

Paying an extra $300-400 a month can indeed knock years off your mortgage! It's a solid strategy. For more ways to speed up mortgage payoff, check out our free webinar: acceleratedbanking.com/webinar-registration-515174331635781964831sl=youtube

[@jolly1039]

Isn't that an offset account? This can be explain in seconds

[@sfsfuzzy3597]

It can’t be explained because it’s all lies ! Heloc rates are higher and variable so the interest rate can increase ! Mortgage does not have front loaded interest that’s another lie

[@Hamromerochannel]

25:32

[@searching-for-truth]

Is this available in the UK?

[@jameswlong]

Uk doesn’t do helocs

[@searching-for-truth]

@@jameswlong 😔

[@sfsfuzzy3597]

It’s a scam

[@Star_Fire_-lw3ru]

Can this work in a communist country like Canada ?

[@timsiebs]

Yes, Manulife offers it and it's awesome!

[@sfsfuzzy3597]

Actually only if you are stupid ! This is all lies ! You must be stupid at math

[@jaytee1086]

You mean a Socialist country like the U.S ?

[@RJovane-so9zz]

How can I do this if I'm committed to by-weekly payments

[@TheKwakBrothers]

You can still use our strategy even if you're committed to bi-weekly payments. Our approach can complement your existing payments by optimizing your cash flow and making strategic lump-sum payments. This means you can pay off your mortgage even faster while sticking to your current payment schedule. For more details, check out our webinar: acceleratedbanking.com/webinar-registration-515174331635781964831sl=youtube.

[@gernotritzau5948]

If I have 15 houses I'm renting out, I would want to pay them off faster

[@SuicidelG]

Good video and I get what you're saying. Personally capitalism is a scam but I have to ask, why is paying off my %3 int loan better than using the extra cash to get %10 yoy returns over any 10 year period in the S&P? You can potentially even do much better with custom dividend growth portfolios, but I just want to use the basic 0 research/work method for comparison.

[@sfsfuzzy3597]

Fact is nothing he said was factual ! That’s why he is no longer a financial advisor he can’t meet fiduciary requirements! He is a liar and a cheat

[@aron6998]

Well if you are in the lucky position of 3% mortgage don’t pay any extra apply the extra you can afford towards investing in the s&p or other stable return investments

[@nonnynu]

Sam, does this still work with the crazy high interest rates we have nowadays?

[@newideasinmind1216]

The problem with your heloc ideas is they customerrily charge and crazy ammout of fees and are triple over any other kind of loan the commission charge is outragious no thanks. What is it like 6, 7 , or 8 points fee NO thanks then they ususally bill it into the loan, what the Hell.

[@TheKwakBrothers]

You're shopping for the wrong HELOCs... You're likely dealing with brokers who charges for origination and brokering. Most HELOCs don't make money for the banks.

[@feisaldaniel]

12 minutes in, and still waiting for the cure ...

[@helensanderson6789]

I signed up twice and never received the calculator... gosh .

[@TheKwakBrothers]

Have you checked the spam box?

[@helensanderson6789]

@@TheKwakBrothers Yes, okay there it is...Thank you so much!

[@kapppeela5328]

He chose 7 years because that’s the average length of a marriage before the wife keeps the house and husband has to go buy another one.

[@delphinebush8496]

Texas banks don't offer HELOC'd!😢

[@humblebee7979]

Texas credit unions offer HELOCs.

[@craiglibby1224]

Absolutely awful advice to pay off your home. It should be illegal to post this video.

[@TheKwakBrothers]

I think the results say otherwise... acceleratedbanking.com/results Featured Articles: markets.businessinsider.com/news/stocks/accelerated-banking-review-legit-strategy-or-online-hype-the-truth-1033052970 markets.financialcontent.com/wral/news/article/marketersmedia-2024-3-1-accelerated-banking-educates-homeowners-on-the-benefits-of-heloc-to-pay-off-mortgages

[@neves69]

Is this US only, or other countries banks have a similar HELOC setup? Asking from Portugal

[@neves69]

@@thomasxxxxxx2345 financial ruin? what do you mean?

[@timothylabonte3027]

I live in California this won’t work

[@TheKwakBrothers]

Our strategy can work for homeowners anywhere, including California. It's all about using cash flow smartly to save on interest and accelerate your mortgage payoff. For more details, check out our free webinar here: acceleratedbanking.com/webinar-registration-515174331635781964831sl=youtube

[@thehazelnutspread]

DANG.........

[@pbeech02]

But you won’t you lose the mortgage interest tax credit?

[@sfsfuzzy3597]

That means nothing ! But since you want to do math then just understand he lied ! Mortgage does not have upfront interest it’s the same as any other loan! Ok so heloc is calculated on average daily Ballance but that’s not cheaper ! You are not going to get a 6% heloc you are paying more money in interest on a heloc than on your mortgage

[@DainBentley]

Is the interest tax deductible?

[@TheKwakBrothers]

I am not sure if the interest is tax deductible. It can depend on various factors like the type of loan and specific tax laws. For detailed information tailored to your situation, you might consider consulting a tax professional or joining our webinar: acceleratedbanking.com/webinar-registration?sl=youtube.

[@topofall1992]

Most Confusing video I've watched so far. 😅

[@jvnp834]

Paying debt with debt is stupid. Some are not disciplined enough to make it work. Also in order to sell your home I think you have to pay off the HELOC first. This is terrible advice.

[@glycyldi]

And it does nothing that you can't do by making extra payments directly.

[@wendellberry5584]

The strategy is about the more efficient use of existing financial tools. The math and logic is not up for debate. The only variable is the cash flow of the user and their personal level of discipline.

[@PrometheusGroup777]

There will be ONLY the heloc to pay first.

[@kwaddy]

All I can say is the Kwak Brothers method is working for us. The math doesn't lie.

[@johnmoss7578]

I thinknwhat the goal is here is to build up equity faster sobthat youbhave access to more money for investing. You definitely have to stay on top of your s#!+ though!

[@mhermin5247]

Ok, I've watched at least 6 of your videos and you explain things in detail because you are assuming people are not following and then you stop. You don't continue to tell the rest of the process. Every video is like that. Use numbers not hypotheticals. What i mean by this is that in one video you explain you pay for your food, gas etc. No. Put a dollar amount and show us the math. You have the calendar with the daily interested assuming you pay near the beginning of the month and then you take out of the heloc near the end of the month. But what if you take out the same as you put in? And show us each month's progress and how the heloc balance goes down? grrrr. Your videos are getting annoying since you start off explaining everything then go vague at the end. How do we pay off the heloc?? And you cant assume we put in our entire paycheck and only take out a portion of it. What if we put in 5000 and then take out 5000. What if we put it in one day and a week later take out? And then again a week later. We have different due dates for our bills. Not every bill is the first or last of the month. Please for the love of god put out a video with numbers and months of payments. Say we take out 10000. Show us how we pay that off month to month with numbers. Bills numbers!!!! and how is this going to help me reduce my mortgage to 5-7 years? A 10000 payment to principal reduces the time by 7 years. Not 23 or 25. I'm assuming we are doing helocs for a few times to cut down our principal on the mortgage. But say that and show us that. GRRRRR. So annoying right now.

[@TheKwakBrothers]

I hear you. If you’re concerned about putting in $5,000 and then taking it out again, keep in mind that even short-term deposits reduce the balance and interest. For detailed progress with numbers and specifics, I'd recommend checking out our free calculator: www.acceleratedbanking.com/calculator-download. It will help visualize month-by-month changes. And for more comprehensive understanding, our webinar should help clear things up: acceleratedbanking.com/free-virtual-class?sl=youtube

[@victorinusbythner4332]

These are obvious facts everybody knows- can we have something more interesting please?

[@timothytiu1333]

Heloc lol

[@DumbAssSpeakingWithMansVoice]

Sell a kidney, haha?? I will watch this later

[@sfsfuzzy3597]

Don’t waste your time he just made up lies

[@kennymuhleisen1857]

I’m confused you take out a heloc pay towards your principal. Now you have two loans , when you could just apply that payment to the principal. I also own multiple homes and just always just doubled principal.

[@TheKwakBrothers]

I see your point. By using a HELOC, you're leveraging your cash flow more effectively. When you deposit your paycheck into the HELOC, it reduces the balance daily, saving on interest. This method can accelerate your payoff even with multiple properties. For a clearer picture, check out our free webinar: acceleratedbanking.com/webinar-registration-515174331635781964831sl=youtube