INTRODUCTION
Home ownership is a source of great pride for many people. People often dedicate the largest share of  income to their homes that encumbers them for 30 years or more. Long after the children have grown and started their own lives, those monthly mortgage payments continue.

30 years is a long time to wait to own your home. Compound interest eats away at the home's value until some folks have essentially paid for it twice. Even after 15 years, most have little equity in their home. However, this can change by using the same principle that banks employ when lend customers money.

NOW, smartEquity™ provides a tool allowing individuals to control their income and expenses to take advantage of this key banking principle. The smartEquity™ online software can reduce the amount of time it takes to pay off a mortgage by half or more. No gimmicks, no smoke and mirrors, just a simple method that uses complex calculations to determine your financial position on a daily, weekly, monthly and annual basis.

Certified SmartEquity™ Specialist Online Course Description

The ICFE's CSES™ program is about mortgage and debt reduction through a cash flow money management software system - smartEquity™ . Enrollees will learn about how mortgages are calculated, how interest is compounded and as a result how homeowners end up paying for two and sometimes three homes because of the amount of interest they pay on the original mortgage.

The CSES™ demonstrates how it's possible to pay off the original mortgage in half the time or less using the current household budget. In the case of consumer debt , students will learn the process for eliminating those debts up to 72% faster, still using their current household budget.

Enrollees will learn about dramatically reducing the "Mortgage Freedom Date" which is the date that an individual or couple become mortgage free. Take one's current age and add the amortized years left on their mortgage and the result is the Mortgage Freedom Date. A person age 55 with 25 years left on the mortgage will have a Mortgage Freedom Date of 80. On average this course can explain how to get that Mortgage Freedom Date down to age 65.

Application of the SmartEquity™ program also provides for the management and elimination of credit card and other consumer higher-interest debt, as well as an integrated accounting system. CSES™ shows how to track progress monthly and manage asset, liability, capital accounts and how to create and read financial reports such as the balance sheet, net worth, profit & loss statement and cash flow reports.

Anyone taking this course will gain the knowledge and skills to better manage financial situations or a small business and save thousands of dollars in unnecessary interest payments freeing up financial resources to invest, help pay for their children's education or purchase a second investment property. The possibilities are endless when one is living debt free.

The CSES™ course is designed to enhance the ability of financial professionals to utilize SmartEquity™ software for the benefit of their clients. Clients will also have the ability to integrate SmartEquity™ software into their financial planning and record-keeping, resulting in more efficient implementation of financial planning and more effective relationships between the client and financial professional.

What Others are Saying About smartEquity™

·         From: BUILDER International Magazine   November 2010

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Common Interest (click here to read more)

A homeowner advocacy group and software company promote a system that can help pay down mortgage loans.

By:  John Caulfield

(click on Image to read more)

... “What we have to do is get people out of this re-fi mindset,” says John Walsh, NOAH’s founder and chairman. Walsh thinks the best way to get homeowners thinking about this is during the buying stage, and NOAH recently started pitching smartEquity™ to builders as a free incentive they could give to buyers, like a granite countertop. “If we could get 1,000 builders to offer this to 50 buyers each, by this time next year this program would be viral.” NOAH’s optimistic goal, he says, is to have 70 percent of all homeowners mortgage-free within 10 years... (read more)

What Clients are saying: