How the Money Map works
House-poor is not a personality. It is a payment structure.
Before you change anything, the free Money Map runs your current mortgage beside a modeled alternative so you can inspect both sides. The comparison comes first. The decision stays yours.
Build My Free Money MapThe 2 structures
Same house. Different interest and cash-flow mechanics.
Neither structure wins automatically. The point is to understand what each one does with your balance, rate, payments, and cash flow.
Your current mortgage
A scheduled principal-and-interest payment
Each scheduled payment is divided between interest and principal. The interest portion depends on the outstanding balance and rate. Early in the term, the balance is usually larger, so a larger share of the payment often goes to interest.
Rate matters. Remaining term matters. The Money Map projects what this loan is expected to cost from today forward, not from the day it originally closed.
The modeled alternative
A qualifying 1st-lien line using a daily balance
The line generally replaces the existing 1st mortgage. It remains secured by your home and may carry a variable rate. Interest accrues from the outstanding daily balance.
Deposits lower the balance. Spending and advances raise it again. Reliable income and positive monthly cash flow are what can create durable progress. A household deficit can move the other way.
What actually happens
4 steps. Your numbers. One clear comparison.
Bring your numbers
Current balance, rate, remaining term, payment, income, and spending establish the starting point.
Model the current loan
The Money Map projects the existing mortgage forward using the assumptions you provide.
Model the alternative
The same cash-flow profile is modeled against a qualifying 1st-lien line, including rate and fee assumptions.
Review and decide
You inspect the comparison, adjust assumptions, and choose whether to keep, book, or apply.
Due diligence before a recommendation
What the Money Map compares
The model is not built to make the alternative look better. It is built to make both sides visible.
Current mortgage from today forward
Balance, rate, scheduled payment, and remaining term show what the existing loan is projected to cost from this point forward.
Alternative rate movement
A qualifying line may carry a variable rate. The model tests how rate assumptions affect the projection instead of pretending the rate will stand still.
Fees and lender terms
Closing costs, account terms, and the cost of making a change belong in the comparison, not buried under a payment headline.
Household cash flow
Income timing, spending, and positive monthly cash flow determine whether the line balance can trend downward over time.
Equity and qualification
Credit, equity, income, debts, property, occupancy, and lender guidelines determine whether the alternative is available at all.
Keep versus change
The current mortgage gets a fair chance to win. If keeping it is the better result, Jason recommends keeping it.
“I’d rather lose the deal than set you on fire.”
Ready to see your numbers?
Put both structures on the same page
Build the preliminary comparison first. If the current mortgage wins, keep it. If the modeled alternative deserves a closer look, booking and application options come after the result.
Build My Free Money Map