Introducing the All In One Loan™
Save Thousands and Take Control of Your Mortgage
Ready to See If You Qualify?
Turn your mortgage into a financial advantage — not a financial trap.
The All-In-One Loan™ helps you pay off your home faster, cut lifetime interest, and access your equity whenever you need it.
How the All In One Loan™ Works
By combining your mortgage with a checking account, your income works to reduce your balance daily — helping you pay off your home faster while keeping your equity available whenever you need it.
DEPOSIT
Every paycheck immediately reduces your loan balance.
REDUCE INTEREST
Interest is recalculated daily based on your reduced principal.
ACCESS EQUITY
Tap into your home equity instantly, with no refinancing.
Your money should never sit still. Make it work for you — every single day.
Experience You Can Count On
With over 33 years of experience, I’ve learned that success in lending comes from strategy, not chance. The All-In-One Loan™ is about giving you clarity, control, and confidence — a smarter way to manage your mortgage.
"As someone who hadn’t bought a home since the late 80s, I leaned heavily on Mike Wise’s expertise and guidance. He made the process seamless, informative, and stress-free, expertly clarifying today’s mortgage options and securing my pre-approval quickly. We closed on my dream home in just 30 days! The user-friendly app made updates and document uploads a breeze. I’ve already recommended Mike to friends considering homeownership, and I’d urge anyone to trust him for a confident homebuying experience. Heartfelt thanks to Mike and his incredible team!"
Janet D.
"I've been working with Mike Wise for over 20 years. He has served my clients with exceptional customer service over the years. I never hesitate referring Mike Wise as a lender."
Sheryl L.
"Mike is honest trustworthy and fast. This is our 3rd or 4th refinance with him. He answers all of our questions and delivers on time as promised. Thank you."
Mac P.
"I've used Mike for my home loan refinance and he was the best yet. So knowledgeable about the market and has become my go to guy for loans and information."
T.P.
"I am very pleased with Mike Wise and CMG, everyone was very helpful and knowledgeable throughout the entire process of buying our new home."
Janet D.
"We had an excellent communication with Mike. He and his team were professional efficient and made the overall loan experience a breeze. We will definitely use Mike for the next house!"
Lindsay S.
"Mike Wise did a great job handling my loan for me. Really appreciated his kindness & patience. Would definitely recommend him."
Elizabeth D.
Ready to See If You Qualify?
Discover how this unique mortgage works like a checking account — helping you pay off your home faster, reduce interest, and keep your equity accessible.
Is the All In One Loan™ Right for You?
Not every homeowner will benefit from this loan, but for the right profile, it’s a financial game-changer. If you value flexibility, speed, & control, this could be the smartest mortgage you’ll ever have.
You have steady income you can deposit each month.
You want to pay off your home faster and save thousands in interest.
You want access to your home’s equity without refinancing.
You value flexibility and financial control over rigid loan terms.
The All-In-One Loan™ isn’t just about paying off your home — it’s about building financial freedom.
Frequently Asked Questions
Get the clarity you need before booking your free call. If you don’t see your question here, we will cover it personally during your consultation.
How is the All In One Loan™ different from a HELOC?
It replaces your mortgage entirely — combining home financing and a checking account into one simple, efficient system.
Will this still work if I already have a low mortgage rate?
Yes. Because it’s not just about the rate — it’s about reducing your lifetime interest.
Do I have to move my checking account?
No, but doing so maximizes the benefits and gives you full control of your balance flow.
Can I access my equity whenever I need it?
Absolutely. Your equity stays available — no refinancing, no waiting.
Is the All In One Loan™ right for everyone?
It’s designed for financially stable homeowners who want to leverage their income and reduce long-term debt.
Ready to See If You Qualify?
Experience how this powerful loan helps you save thousands, pay off your home faster, and stay in control of your equity.
©All In One Loan™ and the All In One Loan™ logo are trademarks of CMG Home Loans, NMLS# 1820. All rights reserved.
CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (www.nmlsconsumeraccess.org, www.cmghomeloans.com), Equal Housing Opportunity. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. Hawaii Mortgage Loan Originator Company License No. HI-1820. Mortgage Servicer License No. MS068. Georgia Residential Mortgage Licensee #15438. Regulated by the Division of Real Estate (CO). Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. AZ license #0903132. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing. 3285 Old Conejo Rd, Thousand Oaks , CA 91320 | Branch NMLS ID# 2471129
