skip to Main Content

Special Loan Options

The All In One Loan is the nation’s most efficient home finance program.  Without requiring any change to budget, or reliance on interest rates, borrowers are able to save tens of thousands of dollars in valuable interest, pay-off in half the time or less compared to a traditional mortgage and access home equity dollars any time without refinancing.  The All In One Loan is the only broadly offered off-set mortgage in the nation.  Historically, this type of loan has only been available to private-banking clients here in the U.S. but is now available to all of us.

How does it work?  Put simply, the All In One Loan combines home financing with personal banking in one account.  This provides borrowers the opportunity to leverage their regular deposits to lower daily principal prior to using their money and as a result, offset monthly mortgage interest.  The All In One has been helping homeowners since 2005.

  • Works just like a regular checking account and comes with the same features
  • Builds equity in the home faster and can pay off the mortgage in half the time or less
  • Provides 24/7 access to home equity dollars for 30 years without requiring a refinance
  • Lowers the total cost of interest leaving more money left over to invest with


  • Loan amounts up to $2 Mill
  • Max 80% LTV (NY and NJ reduce by 5%)
  • Primary, Secondary and Investment properties


  • ATM-cards, checks, on-line banking & bill pay
  • ACH transfers and federal deposit insurance
  • Direct deposit & full feature mobile banking app

Contact a certified VMG Loan Consultant today to discuss this program and get more information.

Tia Anderson

Yumi Lynch

Christopher Borg

Back To Top