Pay off your home in as little as 5 to 7 years
Without earning more or giving up the life you enjoy
A 30-year mortgage is built to pay the bank first.
Most people never see what their mortgage really costs. Here's what the numbers look like.
of your payments go to interest in the first year
in interest on a $400,000 loan, even at a 5% rate
of your balance is still owed after 15 years of payments
in interest for every $1 you borrow
What does your mortgage really cost?
See your own numbersStats assume 30-year fixed loans: $400,000 at 6.5% unless noted, principal and interest only. For illustration only.
Two goals. One plan.
Most families are told to pick one: pay down the house, or save for retirement. The Mortgage Accelerator Program is designed to do both at the same time, by changing how your mortgage is structured.
Own your home years sooner. The program restructures your mortgage so less of your money goes to interest and more of it goes toward the house.
Build toward retirement along the way. You don't just finish with a paid-off home. The plan is designed to leave you with something that keeps working for you after the mortgage is gone.
Know quickly if it fits. A short look at your numbers tells us whether the program is a fit for your home. If it isn't yet, we'll show you what it would take to get there.
Three steps. It starts with a phone call.
We work by phone and video. No office visits, no door-to-door agents. A licensed agent walks you through every number before you decide anything.
A 15-minute discovery call.
We ask about your mortgage, income, expenses, and credit to see which strategy, if any, fits your household. If nothing fits, we tell you.
Your personalized payoff projection.
We build a projection from your real numbers and walk you through it on a short video call. You see your current payoff date next to your new one, and how much interest the difference represents. Nothing to sign.
Implementation.
If you move forward, we coordinate everything with one of our partner banks and walk you through each step. We stay with you from there.
A real person, and a straight answer.
Before Ridgewell, Aaron built and sold a marketing company. He started Ridgewell in 2022 to give families the kind of honest, numbers-first guidance most people never get, and he still runs it hands-on today.
If I can help you keep more of what you earn, I will. If I can't, I'll tell you that too.
We tell you if it's not a fit.
If the numbers don't work for your household, you hear it on the first call. No runaround.
You see every number first.
Your payoff projection shows the dates and the dollars before you decide anything. Nothing to sign on the call.
Same agent, year after year.
No call centers, no handoffs. The person who builds your plan is the person who picks up when you call.
Think of us as your financial team, for as long as you need one.
The mortgage is the first conversation. It is rarely the last. Life changes. You move, the kids grow up, a job changes, retirement gets closer. When it does, you have someone who already knows your numbers and will give you a straight answer.
Annual reviews are part of working with us, and you can call any time something comes up. Sometimes the answer is that nothing needs to change. When that's the case, we tell you.
Zero Debt Method
For anyone carrying car loans, credit cards, student loans, or other balances. A step by step plan designed to clear debt on a faster timeline while building cash value you control.
Retirement Planning
Ongoing guidance on making your savings last, including income for life and ways to protect what you've built from market drops.
Family Protection
Mortgage protection, term life, and final expense coverage, so if something happens, your family keeps the house and is not left with the bills.
Find out in 15 minutes how fast your home could be paid off.
Call us, or send a note and a licensed agent will reach out the same business day.