Homeowner with debt?
Get Out of Debt, and Stay Out, Without Making a Costly Mistake With Your Home.
Out of Debt. No Regret.
A new loan can pay off your credit cards in one day. A HELOC payoff plan or velocity banking can sound like a shortcut. But if you don't Know Your Numbers first, the cards often fill back up, and the old debt ends up inside your house. My new course shows you how to Know Your Numbers, Know the Math, and avoid the costly mistakes, so you get out of debt and stay out.
New course coming soon.
Join the waiting list. You'll get first access and a lower founding price.
Why? My first students help me make the course better, so I want to thank them.
Wherever you live, this is for you. The education works the same in every state. If a rule changes by state, I'll show you how to check yours.
A New Loan Can Pay Off Your Cards in One Day. Here's How to Keep Them Paid Off.
A lot of people refinance or take cash out to wipe out their credit cards. The cards go to zero. It feels great. But for too many people, a year or two later, the cards are full again. Now the old debt is inside your house, and the new debt is back on the cards.
Here's the hard part to hear. Unless something unplanned happened, like a job loss or medical bills, credit card debt is usually a sign of one thing: not knowing your numbers.
Too many people rush into big money decisions with their home. Most never learn the math. Most don't know their starting numbers. And if you don't know where you're starting from, how can you know if, or when, you'll ever get where you want to go?
It starts with one number: how much money is really left at the end of each month. Most people have no idea what theirs is. Once you know it, you decide where your money goes, instead of your money deciding for you. No budget needed.
6 Costly Mistakes Homeowners Make Trying to Get Out of Debt.
Most people don't find out until after they sign. You can find out now.
Looking only at the monthly payment.
A lower payment can still cost you thousands more over the life of the loan.
Stretching 5-year debt into a 30-year loan.
Your cards get paid off today. Then you keep paying for them for 30 years.
Trading a fixed rate for one that can go up.
Your payment can rise when you can least afford it.
Paying points and fees that take years to earn back.
Many people move or refinance again before they ever break even.
Paying off the cards without fixing what filled them up.
The cards fill back up, and the old debt is still inside your house.
Signing up for a velocity banking or HELOC payoff plan before you Know the Math.
The sales pitch shows you the best case. The math shows you the whole picture.
My new course shows you how to avoid all 6, before you sign. Save my spot
The Finish Line: Retire With No House Payment.
In retirement, your paycheck shrinks. Your mortgage payment doesn't.
Example for illustration only. Your numbers will be different.
What would it feel like to be out of debt, and know you'll stay out?
- One payment instead of 5.
- More money left at the end of every month.
- No balance that keeps growing while you sleep.
- Your cards stay at zero, because you're the one directing your money now.
- You made the choice with the math, not a sales pitch.
- You retire with no house payment, and more to live on.
What You'll Learn.
- How much is really left at the end of each month, and how to direct where it goes, without a "budget."
- Why credit cards fill back up after a new loan, and how to keep them at zero.
- The true cost of a loan, beyond the monthly payment.
- Why a fixed low rate should be the last debt you pay off, and the risk of trading it for a rate that can change.
- Already have a low rate? When keeping it and adding a fixed 2nd mortgage can beat a refinance.
- Cash-out refinance, HELOC and fixed 2nd mortgage, side by side.
- How points and closing costs change the math.
- What to avoid: velocity banking, HELOC payoff plans, and stretching 5-year debt into a 30-year loan.
- How big your own Retirement Squeeze is, in dollars.
- Why getting out of debt is the first step to being debt-free and mortgage-free.
Know Your Numbers. Know the Math. Results vary. Financial education, not financial, legal, or tax advice.
Is This for You?
This is for you if...
You own a home and carry debt: credit cards, a car loan, a HELOC or a 2nd mortgage. You want out, and you want to stay out. Someone pitching you velocity banking or a HELOC payoff plan? This is for you too. Know the Math before you sign. Close to retiring, or already retired? Retiring with no house payment is the finish line.
Not for you if...
You don't own a home yet. That's Qualify Smarter. Or you want a quick fix. This course teaches you the math, so you make the call.
Why People Trust Gregg With the Math.
Since 1998, I've done more than 1,500 mortgages. Hundreds of my clients have refinanced with me 4 or more times, most never paying closing costs. Together, we've saved over $3.5 million in closing costs.
"Gregg is different. He does not advocate velocity banking and/or other exotic schemes. Instead, he prefers to coach people in the simplest, most likely to succeed approaches. He cares about outcomes. I respect that a lot."
Kent
"I know that he wants to make sure I am in the best financial circumstances I can be in, with respect to a mortgage, regardless of whether those circumstances are necessarily profitable for him."
Scott H., Deputy Attorney General
"Gregg helped me refinance 3x's in a very short period of time & I was able to keep my home. As time went on I had other mortgage decisions come up & Gregg has ALWAYS been reliable."
Serene P., Retired, City of Huntington Beach
Serve to Protect.
I'm Gregg Knight. At 28, before I started my mortgage career, I bought my first home and paid about $3,800 in points I didn't need, because no one showed me the math. That mistake is why I became a mortgage pro in 1998. I've spent my career since then making sure you know the math before you sign.
Protecting people was my first career, as a police officer. Now I do it by teaching the math before you make a decision you can't undo.
Questions People Ask.
Is this only for California?
No. Wherever you live, this is for you. The education works the same in every state. If a rule changes by state, I'll show you how to check yours.
Do I have to refinance?
No. Sometimes the smartest loan is no new loan at all. The math shows you which.
Is a HELOC or a 2nd mortgage bad?
No. Each one is a tool. But a HELOC's rate can change. Trading a fixed low rate for one that can go up adds risk to your home. The math shows you when a tool fits your goal, and when it doesn't.
Is this one of those velocity banking or HELOC payoff plans?
No. I'll show you the math on those plans, so you can judge any pitch yourself.
Is this a sales pitch for a loan?
No. It's a course. You'll learn the math so you can judge any loan offer yourself, from any lender.
What if I'm close to retiring, or already retired?
This is for you too. Retiring with no house payment is the finish line.
When does it open?
Coming soon. Join the waiting list for first access and a lower founding price.
Save Your Spot.
My new course is coming soon. Join the waiting list for first access and a lower founding price.
P.S. The next time a refinance offer, a cash-out offer, or a velocity banking pitch shows up, you'll want to Know the Math first. Joining the waiting list is free.