Frequently Asked Questions

Q: DOES THIS XCELERATOR PRO STRATEGY ACTUALLY WORK?


Yes, it works. Even Kimberly Daly, the Co-Founder of Xcelerator uses on the mortgage of the home she just bought in Florida. And she has a smile on her face every time she sees the results. If your client pays the special Xcelerator Pro payment along with their normal Mortgage Payment every month, they will see the same results Kimberly does.

This is a totally legitimate mortgage pay off strategy, most people don’t know about or use, because it is complicated to figure out how to do on your own. We make it simple for you and your clients. All you must do is to submit a request for your report to be created – and it’s done for you.

Q: HOW IS THE MORTGAGE XCELERATOR PRO DIFFERENT THAN ALL OTHER MORTGAGE PAY OFF STRATEGIES OUT THERE?


Good Question. Today there are a variety of mortgage payoff strategies out there including:

  • Biweekly mortgage payments
  • Extra Principal Payments
  • Refinance to Lower Interest Rate

The Mortgage Xcelerator Pro Report is different from all of these, and in fact more beneficial than any of those listed.

Yes, the report requires the mortgage holder to pay extra each month, but the amount a mortgage owner is different each month – and is the trigger for the lender to skip ahead on their planned interest payments.

The Mortgage Xcelerator Pro Strategy not only helps the mortgage owner pay off the mortgage faster, but will cancel out hundreds of thousands of dollars of cumulative interest payments if they follow the report guidance each month. The whole strategy is about leveraging details in a homeowners amortization schedule to create a custom unique report.

Q: WHAT IS THE DIFFERENCE BETWEEN XCELERATOR PRO AND BI-WEEKLY PAYMENTS?


Bi weekly amortization schedule locks you into a bi weekly pay period. If you need a week extra for a bill you are paying late fees on your loan. Xcelerator Pro if you need more time? You are not charged penalties or interest. You do the program when it is affordable to you.

Q: WHAT IS THE DIFFERENCE BETWEEN XCELERATOR PRO AND JUST APPLYING MORE MONEY TO THE PRINCIPAL?


The bank takes the money off the back end of the loan. All amortized loans are front loaded. Xcelerator Pro eliminates next month’s interest progressively over the life of the loan.

“Can’t my clients just simply make extra payments and get the same results?”

This answer is, Xcelerator Pro is simply a way better solution for your clients than just making additional principal payment. Let us tell you why:

Let’s say your client makes an Additional Principal Payment of $300 each month.

The lender will take that payment and apply the principal payment $300 to the back end of the loan.

Why does this matter? Because since it is applied to the back end of the loan – the only interest they end up avoiding paying – is also at the back end of the loan. And as you are aware – lenders always front load interest payments on loans so they can get the bulk of their interest paid back faster and first.

Now let’s say your client purchases the Xcelerator Pro Report from you and follows the guiding table.

One month they pay their normal loan payment plus an Xcelerator Pro payment of $315.27 and the next month Xcelerator Pro tells them to pay $313.97. When your client follows the strategy – they will find that they not only accelerate how fast they are paying the principal down – but this unique payment strategy – also triggers the lender to eliminate/ skip every other month’s interest payment on the loan amortization schedule. And this can lead to eliminating up to 45% of the interest payments they would have made. So, as you can see – the results are not the same. Xcelerator Pro is simply better

Q: WHY DON’T MORE PEOPLE KNOW ABOUT THIS SOLUTION?


Lenders and Banks are in the business of making profit on interest paid on lending money. It’s not well known because lenders don’t want their profit margins cut with people using strategies that will eliminate their interest profits. The lenders don’t mind people making additional principal payments because the still get most all their interest payments. This is because the only interest a homeowner saves when making general additional payments on the loan, is the interest not paid because they have paid off the loan. Xcelerator Pro is different because using this strategy – interest is eliminated in the front end of the loan.

Why does it matter where the interest gets eliminated?

On all Amortization Rate Based Home Loans, Interest on Loans is Front Loaded.

When a homeowner pays the normal payments on a loan, after 15 years of paying off a 30-year loan they still owe over 90% of the original amount borrowed. And after 24 years, they still owe 50% of the original principal amount they borrowed.

With Xcelerator Pro – if you use it every month from the beginning of the loan, you will pay off the loan in 15 years and have eliminated cumulatively 45% of the interest payments.

This is why lenders and banks don’t want you to know about this strategy.

Q: DO HOMEONWERS HAVE TO DO XCELERATOR PRO EVERY MONTH?


The quick answer is no. This flexible program can be customized to work with a homeowner’s payment planning. They can choose to do this: monthly, every other month, once a quarter, once a year.

Q; DOES A HOMEOWNER HAVE TO REFINANCE THEIR LOAN TO USE XCELERATOR PRO?


Refinance is not required to use Xcelerator Pro. If you have a client refinancing, this is definitely a great product to offer them, but if they are 2 years into their loan, this is still a great solution for them too.

Because most Home Loans are fixed rate amortization rate-based loans, this means all the interest payments on the loan are front loaded. If you look at the amortization schedule you can see the lender is getting all their interest payments up front – and very little goes to the principal for quite a bit of the loan.

But because Xcelerator Pro helps you progress faster through the interest payment schedule, there will be significantly more interest savings- most especially in the first 7 years of the loan.

So, if a homeowner has had their loan for less than 3 or 4 years, then they are a great candidate for using this solution.

Q: CAN A HOMEOWNER DO THIS IF THEY ARE BEHIND ON THEIR MORTAGE?


The quick answer is no. For Xcelerator Pro Strategy to work, the mortgage must be in good standing with the lender. This is because the Xcelerator Pro payment strategy will only work if the loan is current.

Q: CAN HOMEOWNERS DO THIS IF THEY HAVE BAD CREDIT?


It depends. If they are behind on their mortgage payments, then the answer is no. If their loan is in good standing with the lender, even if they have bad credit from the past, they can use Xcelerator Pro strategy successfully.

Q: HOW WILL I KNOW IF ONE MY CLIENTS IS A GOOD CANDIATE FOR XCELERATOR PRO?


That’s a great question. The Mortgage Xcelerator Pro is for any of your clients who:

  • Want to pay off their home loan fast and avoid paying the full loan amount financed
  • They have extra money they can leverage at least once a year toward special Xclerator Pro payment.
  • They are current on their loan payments.
  • And are less than 3 years into their loan, or if loan is older than 5 years, they are about to refinance.

Q: HOW MUCH IS MEMBERSHIP?


Whether it’s just you, or you have a team of people, we have all levels of membership.

The best way to decide which membership level to choose is by how many reports

you want to generate for your clients .

  • Starter Tier: Up to 2 Reports a Month for $275 a Month
  • Silver Tier: Up to 5 Reports a Month for $500 a Month
  • Gold Plan: Up to 10 Reports a Month for $ 975 a Month
  • Enterprise Plan: And if you need more than 10 Reports a Month – you can call us at +1-817-382-8375 and we can arrange a Custom Plan and Custom Pricing

Enterprise Plan: And if you need more than 10 Reports a Month – you can call us at +1-817-382-8375 and we can arrange a Custom Plan and Custom Pricing

Q: CAN I CANCEL MY MEMERSHIP ANY TIME I LIKE?


We know there are a lot of services out there that require you to sign up for a long-term contract …

well we are not like them.

For our Membership tiers under 11 reports a month – We keep it simple – it’s a month to month membership. This means you can cancel or downgrade at any time.

However…We believe you will love Xcelerator Pro so much you will change your question to

“How can I upgrade my account so I can offer more reports to my clients”

For our Membership tiers under 11 reports a month – We keep it simple – it’s a month to month membership. This means you can cancel or downgrade at any time.

However…We believe you will love Xcelerator Pro so much you will change your question to

“How can I upgrade my account so I can sell more reports to my clients

Q: IS THIS A GOOD FIT FOR MY BUSINESS?


If you are looking to stand out from the crowd of other competitors, this is probably a good solution for you – to help you differentiate yourself.

We have found that this is a good fit for people who are in the following industries:

Mortgage Brokers, Independent Financial Advisors, CPA/ Accountants, Insurance Brokers, Realtors and more.