Truth In Equity

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Truth In Equity https://TruthInEquity.com/ Innovators of Equity Optimization™ and Credit Line Banking™. Our services are consultative and educational in nature.

The only consulting firm to bridge relations between institution and consumer. We assist in the implementation and execution of the Equity Advantage™ and Credit Line Banking™ through a systematic approach.

10/10/2026

Mortgage Acceleration using the CLB PB is ultimately an easier and more efficient lending package.

10/09/2026

Truth In Equity_ Professional Blend vs. First Lien HELOC. First Lien HELOC's can be expensive. Because it is a refinance, you need to consider the rate and the closing costs and the appraisal. With a CLB Professional Blend from Truth In Equity, there is no refinance. You can keep your first mortgage and achieve better results, lower costs, no appraisal and say good bye to escrows. At some point a RECAST is available further saving money on monthly payments. Take a look at what a CLB PB by TIE can do for you.

The First Lien HELOC space is crowded with a bunch of Carnival Barkers who haven't evolved. A lot of homeowners have a ...
10/09/2026

The First Lien HELOC space is crowded with a bunch of Carnival Barkers who haven't evolved. A lot of homeowners have a good rate on their first mortgage and would NEVER consider refinancing into a higher variable rate First Lien HELOC. The Carnival Barkers will try and convince you that the MATH works in your favor. And... it just might. But why go through the hassle of refinancing if you don't have to and the net benefit isn't as good as the alternative. The alternative is the CLB PB loan by Truth In Equity. What is a CLB PB? Credit Line Banking Professional Blend. That is our number 1 performer. Check out the case studies. Run your own numbers. There is no better way to bank and borrow. If there was, we'd be teaching that.

https://truthinequity.com/case-studies/

10/04/2026

Do you CLB? You should.

10/04/2026

The History of Mortgage Acceleration. aka Credit Line Banking.

Prescription with out analysis is Malpractice.
Make sure you take the time to measure all angles twice and only cut once.

3 ways to pay off a mortgage. 1. Pay the normal principal interest payment and maybe, if you can, pay extra to princip...
10/01/2026

3 ways to pay off a mortgage. 1. Pay the normal principal interest payment and maybe, if you can, pay extra to principal. Most don't do this because they either can't or the little they can doesn't really move the needle. That is 92.85 percent of mortgage holders. Or... 2. you could go the First Lien HELOC route, completely refinance into a FLHELOC (expensive closing costs usually) and accelerate the pay off by cycling income through the HELOC. Its risky for many but very effective if you know how to play the game. Or... 3. there is the "Professional Blend". Less risk, greater utility, no closing costs in most cases and very easy to manage. NO NEED to refinance. Check out these case studies. https://truthinequity.com/case-studies/

09/01/2026

$375,000 house. $75,000 down. $300,000 financed at 6.25%. Payment $1,847.15.

Here's every way people are told to pay it off faster, and what each one actually costs.

Just make the payment.
30 years. 300k plus $364,975 in interest.

Make one extra payment a year.
24.6 years. 300k plus $287,703 in interest.

Pay biweekly instead of monthly.
24.4 years. $300k plus $284,706 in interest.

Put an extra $500 toward principal every single month, for as long as it takes.
17.6 years. 300k plus $195,074 in interest.

That last one is the best advice most people ever get. Seventeen and a half years of discipline, and you still hand the bank $195,000.

Now the same house, same rate, same day at the closing table.

A $237,500 fixed first and a $100,000 line of credit at 90% combined loan-to-value. $37,500 down instead of $75,000.

Professional Blend® CLB by Truth In Equity.

Pay off in 4 years and 5 months. $47,268 in total interest.

Against $500 a month for seventeen years: 13 years sooner. $147,806 less interest. Half the cash at closing.

That's not a projection. It's a schedule, and every figure on it can be checked by your own loan officer.

Full comparison, both sides: truthinequity.com/mortgage-structure-at-purchase/ 10k a month income 3k living expenses plus 500.00 per month taxes and insurance plus the mortgage payment is all factored in.

We publish a list of our clients. Their names, and a way to contact them.Not testimonials we chose. Not quotes with a fi...
09/01/2026

We publish a list of our clients. Their names, and a way to contact them.

Not testimonials we chose. Not quotes with a first name and a last initial. Actual people who paid us, who you can message directly and ask whatever you like.

We don't see the conversation. We can't edit the answer.

Ask them the awkward one. Did the numbers hold up. What went wrong. Would they do it again.

There is a reason nobody else in this business does this.

truthinequity.com/referrals/

08/03/2026

When we started the "Pay Your Mortgage Off in 5 - 7 years", No body was offering the method. Since then, every out of work broker, agent and financial guru has jumped on the band wagon. This gives credence to the method. If its worth copying, its worth doing. That single most absolute has helped MILLIONS become, Lean, Liquid and Independent. The control over your money is going to become more and more sophisticated. You might as well be the one at the helm. CLB puts you in control. Not the bank.

Address

2715 Buffalo Trail
Morristown, TN
37814

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 7am - 9pm
Sunday 8am - 9pm

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