Velocity Banking & All-In-One Simulator

Compare a traditional mortgage payoff to a velocity banking HELOC chunking strategy or an all‑in‑one 1st position offset account. This is an educational tool only and not a commitment to lend.

Chunking uses a separate HELOC to make periodic lump‑sum payments toward principal. All‑in‑one uses a single 1st position line of credit where income and expenses flow through one account.[web:6][web:5]
Total take‑home income flowing through your account.[web:6]
Living expenses, debts, etc., not including your current mortgage payment.[web:6]
Amount you want to keep as a safety buffer.
Estimated interest rate on the line of credit / AIO account.[web:5]
Max HELOC limit (used in chunking mode).[web:6]
HELOC draw amount applied to principal in chunking mode.[web:34]
How often to make a new chunk (chunking mode only).[web:34]
Maximum number of years to simulate for comparison.

Traditional Mortgage (No Velocity)

Payoff: — | Interest: —

Selected Strategy

Payoff: — | Interest (loan + line): —

Savings: —

Time Saved: — | Interest Saved: —

Enter your details above and run a simulation to see how this strategy compares to your current payoff path.

Payoff Snapshot

Snapshot of payoff time and total interest for each strategy.

Scenario Payoff Time Total Interest Total Cost (Principal + Interest)
Traditional vs Selected Strategy

This simulator provides estimates for illustrative purposes only and is not a commitment to lend, a rate quote, or financial advice. Actual results depend on your specific loan terms, rate changes, spending patterns, and program guidelines.[web:5][web:35]

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