I have been in the mortgage industry for over 20 years. I am a certified provider and instructor of Finance for the Idaho Real Estate Commission. I am also a certified provider and instructor for the Idaho Department of Finance for continuing education classes for the state’s licensed and bonded loan officers. My reputation as a Loan Advisor/Originator is founded on my level of ethics and the willingness to educate my clients to reduce their fear of no understanding. Up to this point I have NEVER associated my name, my career and my reputation as a professional mortgage banker / broker with any product. I would urge you and everyone else to take the time to investigate how this program can make a difference in your mortgage balance. By applying the differences between simple interest and compounded fully amortized interest you too will be in a better financial situation. You too will be able to realize the American Dream, by owning your home.