Introduction
"Mortgage Acceleration basically is an interest arbitrage between different types of your loans. You need two loans, one traditional mortgage, or primary mortgage, another one is HELOC. Both loans are secured by your property. It also takes advantage of how different loans calculate interest differently. If you do it carefully and strictly follow software, you can save a few bucks. But like any arbitrage, your saving is very minimum..."
-- It is probably okay you donot understand this section.

Classical Case Study
"We use a classical example with mortgage of 640k at 6.25% for 30 years, started back in 06/01/2008, and a HELOC rate stands higher at 7.5%. Here we are borrowing money from higher interest account to pay down the lower interest rate mortgage. Is this a good idea? The key here is that two accounts accrue interest differently. This is the case you can not see it through clearly at first glance. We will go over the numbers in the example. The numbers will open up your eyes. "

Currently HELOC rate is lower
"We use an example mortgage with 640k at 6.25% for 30 years, started back in 06/01/2008. First we will go over how to input the data into the software, then we will go over the comparasion..."
-- In this case, borrowing money from HELOC to pay for primary mortgage makes a lot of sense now, mortgage acceleration can save you even more money.

Over stretched home owner study
"It was quite common in California, some peopel took out risky loan, ie, stated income loan. Can Mortgage Acceleration save them more money? Here I use a example as an agreessive buyer with 80% with 85k house hold income, and bought a 800k property, interest rate at 5.5%. The real 30 year interest has never been so low. However, he choose 3/1 5/1 ARM for low interest at the beginning. Can he refinance down the road? Or how much can the housing price drop while he can still refinance? Assuming he dones't want to buy PMI. This buyer also has 15% HELOC max at 120k, currently paid off 20k."
-- Mortgage acceleration is not penicillin, can not cure everything, but at least, help you gain better clarity about the situation.