We can help lower your loan's principal faster and save you tens of thousands in interest costs. For as long as we can remember, the homebuying process has largely remained the same: apply for a mortgage, make a deposit, and pay it off in 30 years. But this archaic process puts homeowners at the mercy of their banks for too long, causing unnecessary stress, excessive interest charges, and financial strain for seemingly no reason.
What if there was a way to streamline the homebuying process - an option to pay down your principal and simultaneously build up your equity sooner than you could possibly imagine? At Life Changer Loan, we're making that a reality for homebuyers in Arizona by offering a special loan that can help you pay off your loan and build equity in record time.
What if there was a way to streamline the homebuying process - an option to pay down your principal and simultaneously build up your equity sooner than you could possibly imagine? At Life Changer Loan, we're making that a reality for homebuyers in Arizona by offering a special loan that can help you pay off your loan and build equity in record time.
Services
Shane O'Grady began his mortgage career in 1995 with Norwest Bank. He ventured out with a business partner in 1998 to start Choice One Mortgage. Choice One would go on to employ over 600 loan officers through 35 locations in the southwest, and eventually sold in 2006. Street Capital, out of Chicago Illinois.
If you are like most homeowners, you probably owe a mortgage on your home. While your loan may have provided you with an opportunity to buy your home or save a few dollars on your payment, the truth is, mortgages are expensive. Even at historically low rates, a mortgage can more than double a home's original purchase price due to mortgage interest.
Quite casually, you mention that you are working towards paying off your mortgage to live your life debt-free. With great passion, they'll declare their commitment to "never give Uncle Sam an extra dollar!" You are not convinced, but you've learned over the years to never engage the debate when your friend digs in to defend their position.
You could make an additional principal payment every single month or even a full double payment every month. But that would not stop your interest costs from accumulating. Nor would it accelerate your payoff date for 15 to 20 years. There is no doubt, your discipline could help you pay off your mortgage a decade or more sooner.
There have been smaller institutions that have indeed launched similar types of products. The mortgage products we use primarily today were developed during the Great Depression Era, lengthening the repayment terms for borrowers in an effort to making housing more affordable. Since then, there has been no substantial lobby for change and unfortunately, conventional products haven't kept up with consumer demands and behavioral changes.
Reviews (11)
Joel Laing
Dec 27, 2021
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The absolute best decision my wife and I made in 2021 was to get a life changer loan. I thought I would be much older than I am before I was this close to owning my home. Shane O’Grady is responsive and patient (I had so many dumb questions as it took me a long time to wrap my head around how the loan works), and Michelle was also extremely helpful in assisting me with getting all the necessary documents compiled. In less than five years from now, my wife and I will actually own our home-not too many traditional mortgage holders can say that. I’m not particularly wealthy (I’m a public education
Sadiya Abda
Dec 02, 2021
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TODAY IS MY HAPPIEST DAY OF MY LIFE, I INVESTED WITH BINARY TRADE HERE ON Facebook AND I WAS CREDITED $8500 WITHIN A WEEK , AT FIRST I THOUGHT IT WAS A SCAM BUT I DECIDED TO GIVE A TRY AND I INVESTED WITH $500 AND I WAS PAID $8500 IN A WEEK 'I WAS VERY HAPPY AND SURPRISE,I WANT EVERYONE TO HELP ME THANKS Mrs JANET WILDER SHE IS THE MANAGER. YOU CAN CONTACT HER ON IS WHATASPP NUMBER +13147629433 email : Janetwilder7@gmail.com
Jack Swift
Jul 30, 2021
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Mark Phillips
Jul 19, 2021
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My goal was to pay off my mortgage but I was not able to make much progress. FINALLY I found Life Changer Loans and WOW, I’m on my way to paying off my mortgage! Why aren’t more loans like this? I went from 28 years left to payoff, down to 7 years! Agent (Justin) was super helpful and knowledgeable. Quick, easy and painless process.
Waylon Anglin
Apr 16, 2021
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Bella K.
Apr 07, 2021
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I was skeptical when I first heard about this type of loan, but now that I've had it for six months, I would highly recommend it for anyone trying to pay off their mortgage in a fraction of the time. Compared to a traditional mortgage, I've already paid the principle down to an amount that I wouldn't have achieved for another 4 years! Shane was fantastic to work with and made this a seamless process. Here's to paying off my mortgage in 7 to 8 years!
Alma Lively
Mar 17, 2021
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I'm so happy that we found Shane O'Grady and Life Changer Loan. It has always been a goal of ours to pay our mortgage off before retirement. I had read about similar loans over 10 years ago but was unable to find any banks that offered the All In One Loan at that time. I found Life Changer Loan when i was searching for new Mortgage and refinance options. It is always a little scary trying a new loan product, especially one that most people are not familiar with and can sound too good to be true. Shane was great and understood those concerns. Right away i felt that he was genuine, honest and truly
Lorraine Ortega
Nov 09, 2020
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The life changer loan has been the most financially beneficial loan we have ever had. Due to the flexibility of this loan, we were able to pay for both our daughters weddings and countless home improvement projects, just by simply writing a check.
Plus, we were able to pay down our principal balance at a much faster pace than a traditional loan.
I would recommend this loan to anyone who is looking to pay off their mortgage rapidly, but also appreciate having access to all of their equity for large expenses in the future.
Plus, we were able to pay down our principal balance at a much faster pace than a traditional loan.
I would recommend this loan to anyone who is looking to pay off their mortgage rapidly, but also appreciate having access to all of their equity for large expenses in the future.
Allen Quintero
Oct 07, 2020
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Thanks to Shane and his team, for great, fast, professional work. I have always looked for ways to have the equity in my home, but that seemed to be a cash out loan which was expensive and you are still trapped in a traditional style mortgage. Allow your funds you have in the bank work for you and have it attack your principal balance of your home loan. Most people know to make extra payments towards your principal balance but you don’t have that security of still having money in a savings account for a rainy day.
I have been in the mortgage business for a long time, this is very different,
I have been in the mortgage business for a long time, this is very different,
Susan Fleck
Jul 21, 2020
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Shane and Donna were/are the absolute best to deal with to obtain this loan. Their customer service far exceeded my expectations. I am now set up on this amazing loan product and can't wait to be debt free. My husband and I have referred dozens of our friends and clients to them and will continue to do so. I highly recommend Life Changer Loan Corp, Shane, Donna and team.
Barbara Garcia
Jun 24, 2020
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In January we did our first life changer loan. We were able to pay our house down fast. In June we were able to take enough money out of the first loan to buy a second home. The monthly interest for both homes together is less then our original mortgage. This loan has changed our lives. Shane and Donna are so helpful and easy to work with. I highly recommend this loan.
