You can use PC-based PFM software programs such as Quicken or Money to manage account activity. Or you can use the MMA software to offer a hand-ons approach. Your choice.

If you choose to use PFM software such as Quicken or Money, download the programs at the following sites:

• Quicken | Money

Use the program to setup your ALOC and other money and budgeting accounts. You will make all income payments into the ALOC and pay out all living and other expenses from the ALOC (see mortgage payoff slides for illustration).

1. Then advance $5,000 from your ALOC to make a lump-sum payment to your mortgage.
2. Manage your discretionary income over time to reduce the $5,000 advance.
3. When the balance drops below $500, advance another $5,000 from your ALOC to reduce your mortgage loan balance.
4. Repeat the process until your mortgage is paid off.

The MMA software functions as a desk-top tool to give you a quick assessment of your mortgage position every time you log-in.

Additionally, the software —

• uses mathematical models to recommend the pay off amounts based on your cash position
• manages your ALOC to avoid debt run-up
• functions as a register to help you budget life expenses and wants

One-time Setup Cost: $3,500
many customers will pay the fee when they setup their ALOC, thus no money out of their pocket:

• cost is an one-time fee
• no monthly service or other miscellaneous fees
• cost covers the entire mortgage payoff period
• cost includes customer support, upgrades, and other maintenance
  
  email us for more information

Steps:

1. download our ALOC shopping sheet
2. review our home equity center for information
3. link to our center to shop your ALOC among multiple lenders

Also, use this support links:

1. download our 10-Step success plan
2. apply for this rebate card to earn additional "mortgage paydown" dollars