Truth In EquityReviews of truthinequity.com

The Truth In Equity Program has afforded me and my wife the opportunity to live a very comfortable life by practicing the gained knowledge and Techniques learned through this "GOD SENT" program. If you consistently practice what is in your best interest.

Worked out beautifully for us! Paid off the mortgage early because of the system (and the ability to pay more). The system is very simple to implement and should work for everyone. You can either leave it on cruise control or actively manage the transfers yourself.

We are grateful every day that we came to know of Truth in Equity. We would recommend this to anyone, (and we have). For us, it was the answer for getting ahead, and living well. It works as promoted, and better. We have been with this 5 years, and because of this, our plans for retirement are in place and on track.

My Truth In Equity experience: I had a friend at work that was using the program to pay down three properties that he had mortgages on. (He is now debt free) The success he was experiencing caused me to give the program a try. I thought that I could always revert back to a conventional loan if I found that the program didn't work for me. As it turned out, three years into the program, I had saved around a hundred thousand dollars and put myself into a position where I could sell and retire. The money I saved by using the Truth In Equity program plus equity in our home made it possible to have enough money to pay cash for our retirement home near Myrtle Beach and put a nice amount of money into a retirement fund that a wealth manager is investing for us. The program works as advertised and I highly encourage anyone to use it to get control of your finances instead of giving large sums of money to mortgage companies that are getting rich at our expense. Why pay for a home two and a half time when you can pay the home off early and put the interest money in your pocket instead of the Banks. Had I taken a 15 year fixed loan on my home instead of using the Truth In Equity program, after three years, I would still have 12 years worth of payments left. In my situation, that would have amounted to approximately $216,000.00 that I still owed. I know that you might have concerns because this concept is so different from what we are accustomed, but it works. If you have questions, feel free to call David at Truth In Equity. He would be glad to take time with you and explain everything. He was very helpful when I started the program. Sincerely, John Kunkel

i thought is was working great. Our contact was helpful. Once she left Truth In Equity I never heard from them again.

Great in all respects!

I found Truth In Equity on the web back in 2010 and thought the concept was interesting and appealing to someone who hates paying interest over a long period of time. I mulled it over, but then forgot about it for a while. My only regret was not implementing their strategy earlier as I waited until 2012 to go all in on their mortgage reduction strategy. If I had acted on my initial impulse I would've been paid off about a year ago. Fortunately, I eventually did make the commitment and took a mortgage balance and some other debt rolled in from roughly $330K to $30K as of right now. I talked with a consultant, Tammie, who was very informative and ended up buying the software and calculating I could pay off my debt in about 7 years and 6 months - even accounting for annual interest rate rises of 1.0 % per year. The software showed me I would still save close to $100K in interest over my then current 30 year conventional at 5.125%. I set up a HELOC with US Bank to begin borrowing and paying off draws of $20-40K at a time which were applied to my existing 30 year conventional mortgage. The HELOC at that time was 2.5% for 18 months then market after that (interest rates were rock bottom still coming out of the financial crisis.) About the same time I was committing to this form of mortgage debt pay down, I found a very attractive 20 year, interest only loan for 6 years at LIBOR plus a margin of 1.625%, then conventional mortgage at market rate there after. I read the tea leaves and saw the FED was stuck at Zero Interest Rate Policy for quite some time and decided to go for it. I was rewarded with a mortgage interest rate below 2.0% for about 5 years until rates started to creep up last year. I paid off as much as I comfortably could during that time. So after the first 6 months or so in the new interest only mortgage, I quit using the HELOC to pay off the new mortgage as prime rates rose and LIBOR stayed frozen at roughly .25 for about 5 years. So I lucked out. But, if not for Truth In Equity, I would have never contemplated this strategy and missed out on massive interest rate saving. Their program made me rethink everything about mortgage debt.

They have done everything they said they would do.been a positive experiance so far. All except key bank but that has nothing to do with truthinequity.