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SweepCraft
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Do you want to pay off your mortgage years sooner?

We are building a solution to easily do this.

Join the waitlistLearn how it works

How mortgage acceleration math works

Three straightforward steps showing how disciplined cash flow timing can direct surplus toward principal reduction.

  1. Deposit cash flow into checking

    Deposit all your family income into a primary checking account where recurring bills and living expenses are planned and managed.

  2. Draw against a line of credit (LOC)

    A dedicated line of credit from a partner credit union is used to make structured principal prepayments against your mortgage balance.

  3. Daily sweep between checking account and LOC

    Available positive daily cash surplus pays down the line balance, minimizing total interest accumulation.

Who this concept may fit

Mortgage acceleration math requires consistent cash surplus.

Who it may fit

  • Consistent positive cash surplus

    Homeowners with predictable income and verified positive monthly surplus after all regular household expenses.

  • Disciplined spending habits

    Borrowers who follow a consistent household budget and track expenses diligently.

  • Long-term principal reduction goal

    Homeowners seeking a structured mathematical framework to accelerate home loan payoff.

Who it may not fit

  • Tight or variable monthly cash flow

    Households with inconsistent income or little to no regular monthly surplus.

  • Revolving high-interest debt

    Consumers who carry ongoing credit card balances from month to month.

  • Need for debt relief or settlement

    SweepCraft does not manage, negotiate, consolidate, or make payments on your debt.

What do we build

How is it possible to pay your mortgage in half the time?

SweepCraft started with a simple frustration. I couldn’t make sense of the math behind “velocity banking,” and nothing on the market made it easy to do. All I wanted was to set it and forget it until the mortgage was paid off. So we built the tool I couldn’t find.

Questions & Answers

Frequently asked questions

Straightforward answers to questions you might have.

What is SweepCraft?
SweepCraft is an independent financial technology company working through our banking partners to deliver easy to set up, use and maintain system that invests your money in your real estate property automatically.
Is this a scam?
No. The concept is based on straightforward arithmetic: directing your daily cash flow surplus toward loan principal reduces the balance on which future interest is calculated. We do not claim this works for everyone, we make it easy to set your SweepCraft account, and we never collect fees to join our waitlist. No magic, just math.
Does SweepCraft touch my money?
No. The SweepCraft company does not hold money, move money, make payments, issue an account, or extend credit. Any account would be set and held at our chartered, insured and government regulated banking partner. You remain in complete control of your finances.
Would I need to refinance?
No. There is no need to refinance your current mortgage. The checking account portion of SweepCraft account is open instantly. The line of credit and it's terms depends on final approval of our banking partner.
When might it be available?
The concept is currently in active research and development. We do not have a specific launch date or timeline. Homeowners who join the waitlist will receive progress updates and early notification when pilot availability opens.
What does joining the waitlist cost?
Joining the waitlist costs nothing. Fees on the SweepCraft accounts would be disclosed at the time the account would be established and is expected to be competitive with similar financial products and properly disclosed.

Early Access

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