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William Thomas

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The Biweekly Mortgage Association Software Calculator

The Biweekly Mortgage Association Software Calculator

When you become a member of the Biweekly Mortgage Association you'll have Complete Access to Our Proprietary Software for calculating a biweekly savings.

BWMA software is more accurate than most biweekly calculators you will find because our calculators use the actual dates of the calendar to calculate payments rather than formulas that can only provide very approximate savings.  Because we use real calendar dates to do calculations, we are able to offer calculators that can account for the fees you charge your clients (no one else in the industry we know of does this), calculate Adjustable Rate Loans, Interest Only Loans, and even the Removal of Mortgage Insurance and Extra Payments to Principal.

Only BWMA has invested $1000's to create user friendly, downloadable and online software for you to use in marketing our biweekly savings plans to your clients.  Below is an example of the output of our software which we will customize for you as part of your registration with BWMA.  Click here to learn more about our program and to get access to our software.

{Your Prospect's Name},
Here Is Your FREE BWMA Equity Acceleration Savings Analysis!

For personal attention and to get all of your questions answered, please call us at {Your Phone Number}.

If you are ready to start your Biweekly Mortgage Savings program please call us directly at {Your Phone Number} to start saving on all your loans today.

When you enroll, you will be covered by the BWMA Confidence Guarantee. 

Original Loan Amount $200,000.00
Interest Rate 6%
Mortgage Length in Months 360
Number of payments made 0
Monthly Payment (Principal and Interest) $1199.10
Monthly Escrow amount $400.90
Total Monthly Payment (with Escrow) $1,600.00
Total Biweekly Payment $800.00
Optional Additional Payment (per debit) $25.00
Biweekly Payment with Additional $825.00
Presented by:
{Your Company Name}
{Your Address}
Phone: {Your Phone Number}
Fax: {Your Fax Number}
Web site:  {Your Website}
Email: {Your Email Address}

Analysis of Your Standard Monthly Payments
versus the Biweekly Equity Acceleration Savings Plan
Loan Balance Equity Build-Up
Year
#		 Standard
Monthly
Payments		 Smart
Biweekly		 SuperSaver
Smart Biweekly
with $25.00
additional		 Standard
Monthly
Payments		 Smart
Biweekly		 SuperSaver
Smart Biweekly
with $25.00
additional
1 197,543.99 195,903.40 195,235.34 2,456.01 4,096.60 4,764.66
2 194,936.50 191,550.11 190,172.65 5,063.50 8,449.89 9,827.35
3 192,168.20 186,924.14 184,793.41 7,831.80 13,075.86 15,206.59
4 189,229.13 182,008.78 179,078.21 10,770.87 17,991.22 20,921.79
5 186,108.80 176,781.88 173,001.86 13,891.20 23,218.12 26,998.14
6 182,796.00 171,228.52 166,546.52 17,204.00 28,771.48 33,453.48
7 179,278.87 164,532.62 158,868.05 20,721.13 35,467.38 41,131.95
8 175,544.81 158,264.76 151,583.27 24,455.19 41,735.24 48,416.73
9 171,580.46 151,606.32 143,845.06 28,419.54 48,393.68 56,154.94
10 167,371.60 144,533.06 135,625.33 32,628.40 55,466.94 64,374.67
11 162,903.15 137,019.51 126,894.46 37,096.85 62,980.49 73,105.54
12 158,159.09 129,038.42 117,620.83 41,840.91 70,961.58 82,379.17
13 153,122.42 120,561.02 107,771.05 46,877.58 79,438.98 92,228.95
14 147,775.11 111,556.61 97,309.46 52,224.89 88,443.39 102,690.54
15 142,097.98 101,992.76 86,198.45 57,902.02 98,007.24 113,801.55
16 136,070.69 91,834.86 74,397.81 63,929.31 108,165.14 125,602.19
17 129,671.65 81,042.13 61,860.80 70,328.35 118,957.87 138,139.20
18 122,877.94 68,783.72 47,725.53 77,122.06 131,216.28 152,274.47
19 115,665.24 56,614.38 33,589.95 84,334.76 143,385.62 166,410.05
20 108,007.66 43,686.36 18,574.15 91,992.34 156,313.64 181,425.85
21 99,877.76 29,956.84 2,627.97 100,122.24 170,043.16 197,372.03
22 91,246.43 15,376.50 0.00 108,753.57 184,623.50 200,000.00
23 82,082.73 0.00   117,917.27 200,000.00  
24 72,353.84     127,646.16    
25 62,024.90     137,975.10    
26 51,058.88     148,941.12    
27 39,416.50     160,583.50    
28 27,056.04     172,943.96    
29 13,933.23     186,066.77    
30 0.00     200,000.00    
 
 
Payment
Option		 Years to Pay Off Months Saved Total Cost
of
Loan		 Total Interest
Paid		 Total Interest
Saved		 Net Effective
Interest Rate		 Percent
Interest Saved		 Future Wealth*
Standard Monthly Payments 30.00 0 $431,677.04 $231,677.04 $0.00 6% 0% $0.00
Smart Biweekly 23.00 84 $369,248.46 $169,248.46 $62,428.58 4.38% 26.95% 100,724.40
SuperSaver Smart Biweekly (w/ added $25.00) 21.25 105 $353,722.02 $153,722.02 $77,955.02 3.98% 33.65% 125,905.50
*Future Wealth equals principal and interest times number of Months Saved.

Note: Enrollment fees and/or service fees are not deducted from the gross savings of years to payoff, interest and future wealth amount shown in this report. All figures are deemed reliable but are not guaranteed.

The BWMA Equity Acceleration Savings Plans just makes dollars and sense!

Let's look at your first year's savings:

Since you have made 0 monthly payments,
your current loan balance is $200,000.00

Why should you enroll today?
Let's compare the difference between enrolling today versus waiting another year:

If you enroll today, you will save 6 monthly payments
more than if you wait to enroll a year from now!

Imagine... that's 6 payments totaling $7,194.60 that you will never have to make. Just the interest that you will save during your first year of enrollment is $4,608.91!

And remember, this is just your first year's savings. The savings continue year after year, until your loan is paid off in only 23 years instead of 30 more years.

Imagine being able to tear up the last 84 payments in your payment coupon book!

That's 84 payments totaling $100,724.40
in Principal and Interest that you will never have to make!

By enrolling in the BWMA Equity Acceleration Savings Program℠ today,
you will save $62,428.58 in unnecessary interest payments later on.

What would you do with the money you saved?
Maybe retire mortgage free years earlier?
Or perhaps put your kids through college?
Buy a new car... or take a cruise?

Act NOW! The sooner you enroll, the more you will save, so don't wait another day!  Each month that you delay is costing you an average of $384.08 in lost interest savings!

Don't Let Our Name Fool You!

We picked our name, Biweekly Mortgage Association, over 30 years ago
when we first started helping homeowners save money on their mortgages
without having to refinance or make any other changes to their existing loan.

But today our Equity Acceleration Savings Programs
aren't just for mortgages. We help people with
Student Loans, Vehicle Loans, and Loans of All Types.

And BWMA Equity Acceleration Savings Programs
aren't just for Biweekly anymore either!

We can customize the timing of our automated savings plans
to meet your personal needs.

Call us toll-free at  {Your Phone Number} and Start Saving Today!

And remember, if you fill out our Free Consultation Form we will send you a free $10 gift card after your consultation.

If you are ready to start your BWMA Biweekly Mortgage Savings program please call us directly at  {Your Phone Number} or use our Online Enrollment Application to start saving on all your loans today.

When you enroll with BWMA, you will be covered by our BWMA Confidence Guarantee. Click here for more information about Service with BWMA.

Note: please set your left and right margins to 0.25" before printing for best results.

All figures are deemed reliable but not guaranteed.
Biweekly Savings Calculator v5.01CTA

Call now, 24/7, 1‑800‑248‑8840
to get all your questions answered.