Mortgage Calculator

Mortgage Velocity Calculator

Name: Judith Orsulic - NEXA Lending
Address: Mesa, Arizona, US
Telephone: (480) 707-9516
Price range: $$

Compare a traditional mortgage payoff to a velocity banking HELOC chunking strategy or an all‑in‑one 1st position offset account. This is an educational tool only and not a commitment to lend.

Strategy Mode

HELOC Chunking (Velocity Banking)All-In-One / 1st Position Offset

Chunking uses a separate HELOC to make periodic lump‑sum payments toward principal. All‑in‑one uses a single 1st position line of credit where income and expenses flow through one account.

Current Loan Balance ($)Current Loan Rate (%)Remaining Term (Years)Monthly Net Income ($)Total take‑home income flowing through your account.Monthly Expenses (excluding mortgage) ($)Living expenses, debts, etc., not including your current mortgage payment.Cash Cushion / Minimum Balance ($)Amount you want to keep as a safety buffer.HELOC / AIO Rate (%)Estimated interest rate on the line of credit / AIO account.Line of Credit Limit ($)Max HELOC limit (used in chunking mode).Typical “Chunk” Amount ($)HELOC draw amount applied to principal in chunking mode.Chunk Frequency (months)How often to make a new chunk (chunking mode only).Simulate Up To (years)Maximum number of years to simulate for comparison.

Traditional Mortgage (No Velocity)

Payoff: 28 yr | Interest: $469,590

Selected Strategy

Payoff: 14 yr 6 mo | Interest (loan + line): $195,238

Savings: $274,351

Time Saved: 13 yr 6 mo faster | Interest Saved: $274,351

Based on your inputs, the selected strategy pays off the loan 13 yr 6 mo faster and reduces interest by about $274,351 compared with staying the course.

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Traditional vs Selected Strategy

Payoff Time (years) Total Interest ($)

Payoff Snapshot

Snapshot of payoff time and total interest for each strategy.

Scenario	Payoff Time	Total Interest	Total Cost (Principal + Interest)
Traditional Mortgage	28 yr	$469,590	$869,590
Selected Strategy	14 yr 6 mo	$195,238	$595,238

This simulator provides estimates for illustrative purposes only and is not a commitment to lend, a rate quote, or financial advice. Actual results depend on your specific loan terms, rate changes, spending patterns, and program guidelines.

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Judith Orsulic | Mesa, Arizona Home Purchase & Refinance Loans — NEXA Lending | NMLS #960104

Mortgage Velocity Calculator

Payoff Snapshot

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