All-in-One Mortgage Loan
Most mortgages are designed to be paid down over time. The All-In-One mortgage is designed to help you do it more efficiently.
By combining your mortgage and everyday banking into one account, this solution allows your income and deposits to automatically reduce your loan balance — helping you save on interest and build equity faster.
how it works
The All-In-One mortgage is a home equity line of credit (HELOC) that functions like both a home loan and a checking account.
Instead of making payments toward a static balance, your deposits are applied to your loan in real time. Because interest is calculated daily, lowering your balance—even temporarily—can reduce the total interest you pay over time.
And when you need access to your funds, they’re available — without refinancing or applying for a new loan.
why it stands out
- Use your cash flow to your advantage — Your income and deposits work toward your mortgage balance automatically.
- Reduce interest over time — A lower daily balance means less interest accrues.
- Build equity faster —More of your money goes toward principal, without changing your spending habits.
- Stay flexible — Access your funds at any time, no need to refinance to tap into equity.
program highlights
Eligibility & Qualification
- FICO scores as low as 700
- DTI up to 43%
- Asset depletion income accepted
Financing & Loan Structure
- Up to 90% financing available
- Available with purchases, rate/term refinances, and cash-out refinances
- Minimum initial draw: $100,000
- On purchases, up to 99% of funds are accessible at closing
Property & Occupancy Types
- Eligible for primary residences, second homes, and investment properties
- Properties up to 10 acres permitted
Program is available through a broker relationship with other lenders. Waterstone Mortgage is not affiliated with those lenders. Credit approval is at the sole discretion of the lender. Geographical restrictions may apply; contact your mortgage loan professional for additional information.
