Cache Nies, Mortgage Lender

Cache Nies, Mortgage Lender Cache Nies is a mortgage advisor based in Castle Rock, known for delivering five-star service with over 100 Google reviews. LIC - CA, CO, UT, TX, AZ, NV

Offering Conventional, FHA, VA, Jumbo, non-QM loans, HELOCs, the All-In-One Loan, and HomeFundIt. CMG HOME LOANS • 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94583 • NMLS # 1820 Equal Opportunity Lender

04/13/2026

Most people have no idea their savings could be paying off their mortgage.

Not earning a little interest in a savings account somewhere.

Actually reducing the balance your mortgage charges you interest on every single day.

Here is the disconnect.

Your checking account and your mortgage are two completely separate things.

Your money sits over there doing nothing. Your mortgage sits over here charging you interest on the full balance every month.

The two never talk to each other.

The All-In-One Loan fixes that.

It works like a checking account attached to your mortgage. Your paycheck goes in. Your bills come out. Everything functions exactly like a normal bank account.

But every dollar sitting in that account reduces the balance your interest is calculated on daily.

So instead of your savings sitting on the sidelines, every dollar is actively working against your mortgage the second it hits your account.

The more cash flow you have the faster the balance drops.

The faster the balance drops the less interest you pay. And the less interest you pay the sooner you own your home free and clear.

Most clients pay this off in 5 to 12 years depending on their cash flow.

Not 30.

Comment AIO below and I will send you more on how this works. 👀

What if I told you that you could have a 2 or 3% effective interest rate in today’s market? 👀I am not talking about a te...
04/10/2026

What if I told you that you could have a 2 or 3% effective interest rate in today’s market? 👀

I am not talking about a temporary buydown. I am not talking about a permanent rate reduction. I am talking about your actual cost of borrowing money over the life of the loan.

Here is something most people never think about.

A mortgage is made up of three things. Time, principal, and interest rate. Most people obsess over the interest rate and completely ignore the other two.

That is backwards.

Your APR is your annual percentage rate. It represents the true cost of borrowing money when you factor in time and how interest is actually calculated. It is a more accurate picture of what you are actually paying than the note rate alone.

On a traditional mortgage interest is calculated monthly on your full principal balance. That balance barely moves in the early years. You are paying interest on almost the entire loan for a long time.

The All-In-One Loan works differently.

Interest is calculated daily on whatever balance is sitting in the account. Every dollar you deposit reduces that balance immediately. The more cash flow you have moving through the account the faster the principal drops and the lower your effective cost of borrowing becomes.

For clients with strong cash flow who use this loan the right way their effective rate can look much closer to 2 or 3% over the life of the loan even when the note rate is higher than that.

That is the number that actually matters.

Comment AIO below and I will show you what this could look like for your situation.

Address

7400 East Crestline Cir, Ste 140
Greenwood Village, CO
80111

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Monday 8am - 8pm
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Wednesday 8am - 8pm
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