The Freedom Loan

All-In-One Freedom Loan | Cap One Lending

Pay Off Your Mortgage in Under 10 Years—Without Changing Your Lifestyle

At Cap One Lending, we’re transforming how homeowners think about home financing. Introducing the All-In-One Freedom Loan—a modern mortgage that combines your mortgage + checking account + equity access into one powerful financial tool.

With the Freedom Loan, many homeowners can pay off their home in under 10 years, reduce total interest, and keep full access to their equity—all without changing their lifestyle or budget.

✅ Potentially pay off your loan in half the time
✅ Save thousands in interest over the life of the loan
✅ Keep your equity accessible—no refi needed

Why Choose the All-In-One Freedom Loan?

The All-In-One Freedom Loan is designed for borrowers who want speed, flexibility, and control. Instead of a traditional mortgage with a fixed amortization schedule, this program uses daily interest and a nightly principal reduction feature to help your cash flow work smarter.

Key Benefits

  • Fast-Track Your Payoff – Payoff your home on average in under 10 years instead of 30
  • No Budget Changes Required – Keep your current spending habits (your cash flow does the work)
  • Access Equity at Any Time – Use your available equity without refinancing
  • Combine Banking & Mortgage – One account with checks, transfers, online access, and a debit card
  • Pay Down Principal Daily – Deposits reduce principal through a nightly sweep process
  • Reduce Interest Daily – Lower principal = lower daily interest immediately
  • Save on Interest – Cut years off your loan and potentially tens of thousands in interest
  • High Loan Limits – Loan amounts up to $3,500,000 
  • No Traditional Amortization Schedule – You control payoff speed and equity access

Think of it as a checking account that helps pay off your mortgage automatically.

How the All-In-One Freedom Loan Works

Traditional mortgages are built on monthly interest and a long amortization schedule—meaning early payments are heavily interest-weighted and you never can access your equity unless you sell or refinance. The Freedom Loan flips the script by applying deposits toward principal more frequently and allows you 24/7 access to your equity.

Here’s how it works:

1) All-In-One Account (Mortgage + Banking + Equity)

Your home loan and day-to-day banking are integrated into one streamlined system. You can manage your money like you normally would—while your deposits work to reduce your balance.

2) Nightly Principal Reduction (Daily Interest Advantage)

Deposits into the linked account are applied toward principal through a nightly sweep process. Because interest accrues daily, reducing principal more frequently can immediately reduce interest charges.

3) Unlimited Withdrawals (Equity Access Anytime)

Need funds for a project, investment, emergency, or opportunity? You can access your available credit through unlimited transactions

24/7 Access to:

  • Checks
  • Debit card
  • Online transfers
  • Bill pay and ACH options

No refinance required to access equity (as long as available credit exists).

4) Principal-First Progress from Day 1

Instead of waiting years for the principal curve to shift, the Freedom Loan gives you control over how aggressively you pay down the balance—based on how you use your income and cash flow.

Program Features at a Glance

Loan Structure

  • First position lien 
  • 30-year term
  • Available for purchase, cash out, and refinance, up to 90% of your home's value
  • Access to funds may remain available throughout the full term (based on available credit)
  • Sellers can pay up to 3% of your closing costs and prepaids on a purchase

Credit Limit Schedule

  • Credit limit is based on LTV, FICO, property type, and occupancy

Who Is the All-In-One Freedom Loan For?

This program is ideal for homeowners who:

  • Want to pay off their home faster
  • Have steady income (W-2 or self-employed)
  • Want liquidity and flexibility with their equity
  • Don’t want to refinance every time they need to free up cash for other investments
  • Value efficiency, control, and smarter cash flow management

Minimum Qualification Guidelines

Borrower Requirements

  • Minimum 700 FICO
  • Maximum 43% DTI 
  • Asset requirements = Minimum 10% of the loan amount

Eligible Income Types

  • W-2 wage earners
  • Self-employed
  • Commission income
  • Assets (Can use up to 100% assets divided by 120 months for additional income)
  • Restricted stock units (RSUs)
  • Alimony and child support
  • ADU income
  • Departing residence income

Loan Amounts, and Draws

  • Minimum initial draw: $150,000
  • Maximum initial draw: up to 99% of the total line amount

Eligible Property Types

  • Primary residence (1–4 units)
  • Second home (1–4 units)
  • Investment property (1–4 units)
  • Condos and PUDs

Borrowers may have up to:

  • 1 Primary
  • 1 Second Home
  • 1 Investment Property
  • (Up to three total Freedom Loans.)

State Availability

Available in:

Missouri

Kansas

Florida

Texas Primary Homestead eligibility coming soon.
Texas Investment and Second Homes currently eligible.

Using the Freedom Loan as Your Primary Account (Optional)

After closing, you can receive:

  • Debit card
  • Checkbook
  • Online account access

You can use the account for:

  • Payroll deposits
  • Monthly bills and autopay
  • Transfers and everyday spending

Freedom Loan Simulator | See Your Potential Savings

Use our FREEDOM LOAN SIMULATOR to estimate:

  • How many years you could shave off your mortgage
  • Potential interest savings
  • How your cash flow strategy compares to a traditional 30-year loan

LTV Matrix

PRIMARY RESIDENCE (1–4 Units)

All States Except Texas

Purchase & Rate/Term

Maximum Loan Amount    Maximum LTV    Minimum FICO
$750,000 85% 700
$1,500,000 90% 720
$2,000,000 85% 720
$2,500,000 75% 720
$3,000,000 70% 720
$3,500,000 60% 740

Minimum Line Amount: $150,000
Initial Advance: Up to 99% of total line amount

Primary Residence – Cash-Out

Maximum Loan Amount Maximum LTV    Minimum FICO
$2,000,000 80% 700
$2,500,000 75% 720
$3,000,000 70% 740
No Maximum (subject to qualification) Per LTV tier Per LTV tier

SECOND HOME (1–4 Units)

Purchase, Rate/Term & Cash-Out

Maximum Loan Amount    Maximum LTV    Minimum FICO
$2,000,000 80% 720
$2,500,000 75% 720
$3,000,000 70% 720

Minimum Line Amount: $150,000
Initial Advance: Up to 99% of total line amount
Cash-Out: No stated cap (subject to underwriting approval)

INVESTMENT PROPERTY (1–4 Units)

Purchase & Rate/Term

Maximum Loan Amount    Maximum LTV    Minimum FICO
$1,000,000 75% 720

Minimum Line Amount: $150,000

Investment Property – Cash-Out

Maximum Cash-Out    Maximum LTV    Minimum FICO
$500,000 70% Per underwriting guidelines

All loans subject to credit approval, property eligibility, and underwriting guidelines. LTV, FICO, and loan limits vary by occupancy type and state. Texas properties subject to separate guidelines. Program terms subject to change without notice.

 Take Control of Your Mortgage Today

You’ve worked hard for your home—now let your home work hard for you. With the All-In-One Freedom Loan, you can build wealth, save more, and potentially own your home years sooner—without changing your lifestyle.

📲 Call Cap One Lending at 816-905-1111
🌐 APPLY HERE with a Freedom Loan specialist today