The All In One Loan™ · For Texas Homeowners
Everything you've been taught about your mortgage is backwards.
For a hundred years, Americans have followed the same script: take a 30-year mortgage, make the same payment forever, and park your savings in a separate account earning next to nothing. The All In One Loan rewrites that script — your everyday money goes to work paying down your home daily, while staying completely within reach.
- Your income works against your balance every single day
- Pay down principal without locking your cash away
- Simple and easy for you — Riley and his team handle the entire application
Free, no-pressure conversation. Serving Texas homeowners.
"This is the loan I'm most passionate about. Once a Texas homeowner sees how it actually works, they never look at a regular mortgage the same way. Let me show you the math on your situation."
Talk to RileyA 100-year-old idea, turned upside down
The traditional "forward" mortgage was built to benefit the lender. The All In One Loan was built around how you actually earn, spend, and save.
So what exactly is the All In One Loan?
It's a first-lien position line of credit (LOC) with up to 30 years of draw access, integrated with a personal checking account. In plain English: your mortgage and your checking account become one. Deposits you make into the account lower the balance your interest is calculated on — and because interest is figured nightly, the more cash you keep in the account, the less interest accrues. Your bills are paid from the same line, and any cash sitting there works to reduce your interest instead of earning pennies at the bank.
Your cash works harder
Interest is calculated nightly on your balance. The more cash you keep in the account, the lower that balance — and the less interest accrues.
Full access, anytime
Unlike paying extra on a traditional mortgage, the money you apply isn't locked away. Need it back? Draw from your available line.
One simple account
Home financing and everyday banking in one place — for primary homes, second homes, and even investment properties.
How it works
It runs on the cash flow you already have.
Deposit income
Your paycheck and deposits go into the account.
Balance drops
A lower balance means less interest accrues.
Pay your bills
Spend from the same account; only what you spend leaves.
Surplus keeps working
Idle cash you don't spend keeps your balance — and your interest — lower.
Compound interest — finally working for you
You already know how compounding builds wealth in the stock market. The All In One Loan runs on the exact same engine — except instead of compounding the interest you earn, it compounds the interest you save.
The market Compounding interest earned
Invest a lump sum and your returns start earning returns. Each year's growth sits on top of the last, so the balance snowballs — most of the final number is interest that earned more interest. That's compounding growth, and it's why investing early matters.
All In One Loan Compounding interest saved
Keep that same cash in your All In One Loan and it lowers your loan balance, so you avoid interest. The interest you avoid keeps your balance lower still — so you avoid even more next month. Your savings stack on themselves, month after month. That's compounding savings.
See it in real life: just $500 a month
The setup: a $400,000 balance at a hypothetical 7.5% rate, and an extra $500 a month you could either save or put to work. Here's that same $500 in two places:
- HYSAPut $500/month in a high-yield savings account at ~4% APY. Over the ~19 years it takes to pay the home off the All In One Loan way, it grows to about $170,000 — roughly $56,000 of that is interest earned.
- All In One LoanPut that same $500/month to work against your balance and you pay the $400,000 off in about 19 years instead of 30 — 11 years sooner — avoiding roughly $255,000 in interest (vs. about $607,000 over a traditional 30-year term).
- Year over yearThink of it like a return: money working in your All In One Loan effectively earns your loan's rate — about 7.5% a year — because that's interest you no longer pay. Same $500/month, but roughly 7.5% effective vs ~4% in the HYSA, compounding in your favor every month.
- And it's safeYour cash isn't locked away — it sits in an FDIC-insured account and stays fully accessible. You get high-yield-savings-style safety and access, with mortgage-rate savings.
Illustration only. Assumes a $400,000 balance, a hypothetical 7.5% All In One Loan rate, a high-yield savings rate of 4% APY compounded monthly, and an extra $500/month applied consistently; figures are rounded and exclude taxes, fees, insurance, and any rate changes. The All In One Loan has a variable interest rate, and high-yield savings rates also change, so actual results will vary. Paying down a mortgage is not the same as investing and carries different risks and benefits — consider speaking with your financial or tax advisor. FDIC insurance covers eligible deposits up to applicable limits. This is not a quote, an offer of credit, or a guarantee.
Same $400,000 balance at a hypothetical 7.5%. The more of your monthly cash flow you run through the All In One Loan, the faster it works — and the interest you save stays well ahead of what that same money would earn in a high-yield savings account.
| Put to work / month | Home paid off in | Interest you save (All In One Loan) | Same money in a HYSA instead |
|---|---|---|---|
| $500 | ~19.0 years | ~$255,000 | grows to ~$170,000 (~$56,000 earned) |
| $1,000 | ~14.4 years | ~$352,000 | grows to ~$234,000 (~$61,000 earned) |
| $1,500 | ~11.7 years | ~$406,000 | grows to ~$267,000 (~$57,000 earned) |
| $2,000 | ~9.9 years | ~$440,000 | grows to ~$292,000 (~$54,000 earned) |
Illustration only, same assumptions as above: $400,000 balance, hypothetical 7.5% All In One Loan rate, 4% APY high-yield savings compounded monthly, and the stated amount applied consistently. Figures rounded; exclude taxes, fees, insurance, and rate changes. The All In One Loan has a variable rate and savings rates change, so actual results vary. Not a quote, an offer of credit, or a guarantee.
Even against a lower rate, watch what cash flow does
Because the All In One Loan charges interest on your actual daily balance — not a fixed schedule — your everyday cash flow does the heavy lifting. Here are three real comparisons for the same homeowner: a $400,000 balance, about $10,000/mo coming in and roughly $4,000/mo going out (everyday expenses plus taxes & insurance). After the mortgage payment that leaves about $7,600/mo available for spending, and roughly $3,600/mo left over that goes straight to paying down principal. Only the existing loan's rate changes.
| Your current loan | Interest you'd pay | All In One Loan interest | You could save |
|---|---|---|---|
| 2.5% | $150,474 | $118,101 | ~$32,000 |
| 5% | $329,697 | $118,101 | ~$212,000 |
| 6% | $463,354 | $118,101 | ~$345,000 |
Same home, same paycheck — in every case the All In One Loan paid the balance off in about 7 years instead of 27–30. Even against an ultra-low 2.5%, it still came out roughly $32,000 ahead. The real question isn't your rate — it's your cash flow, and that's exactly what we'd map out together.
Figures generated with the All In One Loan comparison simulator using a hypothetical $400,000 balance, a 7.59% All In One Loan rate, ~$10,000/mo deposits and ~$4,000/mo expenses, compared to 2.5% / 5% / 6% fixed loans. Rounded; excludes taxes, fees, insurance, and rate changes. The All In One Loan has a variable rate, so actual results will vary. This is not a quote, an offer of credit, or a guarantee — your real numbers depend on your situation.
Why Texas homeowners switch
Less interest over time
Daily interest on a lower average balance can add up to major savings.
Pay off years sooner
Putting idle cash to work can dramatically shorten your payoff timeline.
FDIC-insured & accessible
Your funds sit in an FDIC-insured account and stay fully within reach — safety and liquidity, not locked-away equity.
Built for variable income
A natural fit for the self-employed and business owners common across Texas.
Backed by CMG Home Loans
The All In One Loan is CMG's signature program (NMLS #1820).
A specialist who lives it
Riley is genuinely passionate about this loan and walks you through every number.
The All In One Loan shines for homeowners who…
…have steady positive cash flow each month, keep some savings on hand, and want their money doing more than one job. It's especially powerful for disciplined savers, higher earners, and self-employed Texans with cash that would otherwise sit idle. It isn't for everyone — and that's exactly why a quick conversation matters. Riley will tell you honestly whether it fits.
Riley Benedetti
Sr. Loan Officer · CMG Home Loans · NMLS #2214364
I've made the All In One Loan my specialty because, frankly, most people have never been shown how it works — and once they are, it changes everything. It isn't a gimmick; it's math. And this isn't a do-it-yourself online application — after a quick consultation to make sure it's the right fit, my team and I handle the entire process for you, start to finish. Simple and easy on your end. Book a free call and I'll walk you through exactly how it would work for your numbers, no pressure.
Licensed in TX, WA, VA, MD & LA · CMG Mortgage, Inc. dba CMG Home Loans, NMLS #1820
Common questions
The All In One Loan is a first-lien position line of credit (LOC) — it takes the place of your primary mortgage rather than sitting behind it — integrated with a personal checking account. (A HELOC is a different product with different terms.) That combination is what lets your everyday cash reduce the balance your interest is calculated on, while keeping your money fully accessible.
No. That's the key difference from prepaying a traditional mortgage. Money you deposit lowers your interest immediately, but you can draw it back from your available line whenever you need it.
The All In One Loan has a variable interest rate that can change over time. The strategy works by keeping your average daily balance low, which is why your monthly cash flow and savings habits matter. Riley will walk through how rate changes could affect you.
Homeowners with consistent positive monthly cash flow and some cash reserves who want their money working harder — including disciplined savers, higher earners, and self-employed or business owners. It may not fit everyone, which is why we start with a conversation.
Yes — the program is available for primary residences, second homes, and investment properties, subject to eligibility and underwriting.
No — and that's on purpose. Unlike a quick self-service online loan, the All In One Loan starts with a short consultation to confirm it's the right fit. From there, Riley and his team handle the application and the entire process for you. Simple and easy on your end; thorough and hands-on on ours.
Book a free consultation with Riley. He'll review your situation, tell you honestly whether the All In One Loan fits, and if it does, he and his team take it from there and handle everything for you.
Ready to see the math on your home?
Book a free, no-pressure strategy call. Riley will show you exactly how the All In One Loan would work for your numbers.
Prefer to talk now? Call Riley at (509) 594-5793.