Welcome to the Truth In Equity® Testimonial Page. All the testimonials provided are from people that have implemented our Equity Optimization  “Steps To Become Debt Free”.

Step 1: Watching the Videos.

Step 2: Submitting the “Personal Profile” and

Step 3: Participating in the personalized online meeting.

We have 100% satisfaction, 100% retention rate and all of our customers are exceeding projected results. We provide access to our customers for personal referrals. Many of our customers love telling their Equity Optimization story. If you are involved with a Truth In Equity Financial Strategist, we invite you to contact current customers. This one act of verifying results dispels the “Too Good To Be True” myth and the “Who Else Is Doing It” syndrome. We welcome any and all onlookers to test the results. As we love to say: “The Truth Is In The Proof™”.  You can also visit our Video Testimonials Page and see for yourself.

Debt free in only 26 months

June 27, 2018

I started the program in May 2016. I believe you gave me a 19 month timeline to pay off my mortgage if I followed the program as advised. It’s now 26 months later and just paid off my  mortgage. I can’t express enough gratitude to you for educating me on mortgage optimization and your program. Thank you Bill. Since I began the program, I’ve finished a major remodel on our home, Brittany and I got married and we have our son Carson, due in early September. With all this going on I’m not beating myself up too bad for the 7 additional months it took to achieve payoff.

~ AC Saam Tallahassee FL

AC Saam Tallahassee FL

Watched all the videos

February 17 2018

❤ this post! I’m a new client. I found out about TIE in youtube. First, I was researching on how to pay off my mortgage sooner until I saw Jordan Goodman talked about TIE and watched all the videos about TIE in youtube and then I visited your website. I knew right then and have faith that this is my ticket to financial freedom. Thanks to Bill and David for creating this brilliant idea! 😊

Irene Marie M - CA

We’re Debt Free !!!

Thanks Bill! We just paid off our mortgage December 26, 2017! We couldn’t have done it without your help! This program is not for everyone, but it worked for us as described and we give God the glory! Blessings to you, your family and Truth in Equity! Sincerely, Jack and Linda in WY

Jack and Linda WY

Lou Wilson

Equity Optimization works !!!

From: Lou Wilson
Sent: Wednesday, December 22, 2010 9:30 AM
To: Stephen from Truth in Equity
Subject: Re: faith based financial management


Had a nice visit with Kristin yesterday and I appreciate you sending me the info attached.  I want to say that I am very greatful for the help I received from everone at Truth In Equity which enabled me to pay off our mortgage so quickly.  This system really works great, especially for small business people who can utilize their cash flow from their company which is probably doing nothing for them at all given the interest rates today.  I think everyone can benefit from the program, but none more the small business sole proprietor.  Thanks again and best of luck in 2011.

Meleanie Schafer

—–Original Message—–
From: Meleanie Schafer
Sent: Thursday, December 23, 2010 8:07 AM
To: bill@nulltruthinequity.com
Subject: RE: Truth In Equity and Equity Optimization

Hi Bill!

Thanks so much for the email!  It’s nice to hear from you!
We really do love the program – we think it’s amazing!  Funny thing is, we try to tell others about how great it is – even pass along your website for reference and review, but it seems that most people are skeptics! Even after we tell them how great it’s been for us personally and how much more we have paid off towards our principal vs. a traditional loan! We had a 15 year loan prior to Truth In Equity and this is still phenomonally better!  We have never looked back one time since signing with you guys!
Take care and thanks again for touching base!

Andy B

—–Original Message—–
From: Andy B
Sent: Monday, January 03, 2011 9:44 AM
To: Lauren@nullTruthInEquity.com
Subject: another Equity Optimization update

Hello Lauren,

Thank you for all your help in 2010!  We look forward to what is in store for 2011 with our financial goals/achievements as the year progresses!

Looking back on the short history of what we have accomplished from June to Dec of 2010 was impressive when we look at the money that actually fell to the principle in 6 months time, v/s what fell to the bottom line on the previous year of the 30yr fixed mortgage.  I was explaining to a friend of ours the justification of your cost and what your guidance has done in 6 months for us, has been astounding. Just that new way of banking, using our money for us, not against us. Wow!  I’d pay your fee over again for the results we have seen!


—–Original Message—–
Sent: Friday, January 07, 2011 2:41 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization
Diana: Thanks for checking in.  We have paid off the Loan. We have no debt at all. Are saving money to purchase another Auto. Also investing in to different types of investments, I have not been using the etie profile. I paid off 46k in about 13 months. It was not hard to do. We are in best financial position ever. Thanks for your part in this
I hope you are doing well.

Wayne Mclarren

Sally H

—–Original Message—–
From: Sally H
Sent: Tuesday, February 22, 2011 12:02 PM
To: Kristin Miller; Kristin from Truth in Equity; kristin@nulltruthinequity.com
Subject: Re: Note from Truth in Equity

Hi, Kristin,

Sorry it’s taken me so long to respond – I thought you’d like to know of our financial progress last year.
Balance 1/7/10: $266,199.95
Balance 1/7/11: $243,817.27
So we paid off a little over $22,000. Not bad, it was financially a tight year year with lots of vehicle/household expenses and keeping a High School senior in the lifestyle he has become accustomed to!

When you have a moment I would be interested in learning any other account features you think would benefit us.

Thanks for your continued interest in us!

Sally H

Jessica C

—–Original Message—–
From: dalejesse1
Sent: Wednesday, February 23, 2011 12:20 PM
To: Amy@nullTruthInEquity.com

Subject: Re: Truth In Equity

Thank you Amy. We could see after a few months of the loc paying a total of $80 in interest as opposed to $800 interest on our mortgage has really motivated us to pay it down. So, we are on our way. . . I tell everyone we know about the truth in equity and to give you a call. Thank you very much.

Jessica C


—–Original Message—–
From: rvbeach
Sent: Wednesday, February 23, 2011 5:46 PM
To: Glenn Norton
Subject: Re: Jan Heloc Statement


Thank you. I will send you next months statement and I appreciate your time. This is working just like you said it would. Wow!



—–Original Message—–
From: smslt@
Sent: Friday, February 25, 2011 7:58 PM
To: diana lagarino
Subject: Re: Progress Check- Truth in Equity

Hi Diana,

My current balance is $183,530.16 and the loan balance for month 4 per etie is $187,125.53. It looks like I’m on track, very happy about it. The original loan balance was $199,222.00.

All is well, I hope the same for you.

Thank you,

Shawn Nelson

—–Original Message—–
From: shawn@nullxxxx.com
Sent: Friday, February 25, 2011 1:24 PM
To: bill@nulltruthinequity.com
Subject: Big Thanks!!!


Big thanks to you and your team. I was awarded our Pinnacle for 4th quarter of 2010. That is a top award for loan production and growth. Your team was a big part of that win for me. I wanted to make sure you let everyone know I appreciate the referrals and keep them coming. If there are issues I can improve on, please let me know.


Shawn Nelson
Private Banking Relationship Manager


—–Original Message—–
From: David.S
Sent: Sunday, March 13, 2011 11:45 AM
To: salesmanager@nulltruthinequity.com
Subject: 1 Year Results

I am approaching my 1 year anniversary in the Truth in Equity Program and I
have to say the results have been remarkable! I officially refinanced late
March of 2010 into the 100% HELOC and have seen results from the 1st month
until now. I have to say that I was some what skeptical of the program, but
after 2 months in I say the results are more than I expected. In fact, I
made up your fee within less than 2 months into the program. I can
clearly say that it was WELL worth the minimal fee you charged and you have
been an invaluable help the first 3-4 months of the program. I feel I have
been on auto-pilot the last 6 months and fully understand the benefits and
“how to’s” of the program. Additionally, I made about the same money in
2009 than I did in 2010 — It was the program that clearly had the positive
impact on the results.

Here are the results of the TIE Program prior to (Traditional Mortgage) and
after (TIE) 1 year:

– 30 Year Traditional Mortgage at a Fixed Interest Rate of 5.25%
– 26 Bi-Weekly Payments (12 months) & 4 additional payments of $438 on principle
– February 2009 to February 2010
– TOTAL Equity gained in 1 Year the Traditional Mortgage = $7121.00

– Variable Interest rate of 4.02% – 100% HELOC
– 12 Months of payments of all cash flow
– Leveraged for all expenses
– TOTAL Equity gained in 1 Year with the Truth in Equity Program = $51,316.00

The Difference in the TIE Program vs. the Traditional 30 Year Mortgage is
$44,195.00 in 1 Year in the program! ($51,316 minus $7121 = $44,195).

Also, it is TAX time and I reviewed my Mortgage Interest statements for the
year and I calculated that I saved roughly $12,000 in interest by moving to
this system. Again, this is another savings that I did not anticipate.

I would recommend this program to anyone that doesn’t want to pay more
interest than they have to on their Mortgage — Additionally, I am looking
forward to continued results and even accelerated payoff in 2011! I can’t
wait to see what my Mortgage balance is at the end of 2011…

Best Regards,

David S.
Marlborough, MA

Tanya S

—–Original Message—–
From: Tanya S
Sent: Monday, March 28, 2011 5:45 PM
To: lauren@nulltruthinequity.com
Subject: RE: Equity Comparison

Hi Lauren,

We spoke just over a year ago about TIE. I wasn’t ready to move forward at that time, but I am now. Of you are still an affiliate, please contact me this week. If not, please let me know who I can contact to get started.

I hope this email finds you well, and happy new year!

Tanya S

James and Bernadette

—–Original Message—–
From: bernadette
Sent: Wednesday, April 06, 2011 12:54 PM
To: VideoContest@nullTruthInEquity.com


Hi Bill and Dave,

I would love to do a testimonial for TIE because it has truly been a Godsend to find out about this method. I absolutly love it and my husband, who was very skeptical in the beginning, has been hugging me ever since we started; for talking him into taking a chance on what I thought made perfect sense. I would have to find out how to do the video camera part because I’ve never done it before, but I want to tell everyone about this! It is fabulous.

James and Bernadette

Bo Kernell

—–Original Message—–
From: Bo Kernell
Sent: Wednesday, April 06, 2011 9:19 AM
To: VideoContest@nullTruthInEquity.com

Subject: video

Hello Truth & Equity team,
I am very happy with how the program is working so far. I wish I would have started a little sooner. I probably won’t be able to send a video because of lack of technological skill but I thank you for everything. It’s been great and I’m looking forward to getting the house completely paid for. We’ve been it probably a year and a half and have seen our original loan of $ 88,000 go down to about 52,000 now and that’s with a $ 4800 truck we purchased added on. Thanks again I definitely appreciate the service.


Mark & Diana

From: Mark & Diana
Sent: Tuesday, April 05, 2011 7:43 PM
To: VideoContest@nullTruthInEquity.com

Subject: Contest

Good idea.
We are very excited about our results so far: Our debt has gone down by $45,000 in less than seven months – that outcome speaks for itself.


Mark & Diana

Spotsylvania VA

John S

—–Original Message—–
From: [email protected]
Sent: Tuesday, April 05, 2011 2:17 PM
To: VideoContest@nullTruthInEquity.com
Subject: Yes!


My wife and I have been in the Truth in Equity program for almost a year. I can say that everything that was promised has been delivered. Our mortgage had recently been refinanced and we were set back to 30 years but since entering the program the payoff will be 7 years or less. We had almost $40,000 in equity and want to pay everything off ASAP since we are both in our 60`s. If you follow the simple program exactly and arrange your income and expenditures accordingly, your life will be simplified and your financial future will be positively affected! The interest each month is approximately $500 less than the conventional mortgage. We also have not had any problem continuing our life style in spite of unexpected home and auto repairs. I endorse this program whole heartedly and am very happy with results! If you have any other questions, do not hesitate to ask.

John S

Roxanne V

—–Original Message—–
From: rvbeach
Sent: Thursday, April 07, 2011 7:31 AM
To: VideoContest@nullTruthInEquity.com
Subject: Video

I think this is a good idea but I’m not sure of my skills to participate. I would give a testimonial even if there was not a contest because your program really works and I think everyone should know about it.

Roxanne V

Amy W

—–Original Message—–
From: Amy W
Sent: Tuesday, May 10, 2011 12:17 PM
To: Glenn Norton
Subject: FW: Update

Hi Glenn,
Thank you so much for the personal phone call to answer my questions as well as all of the other questions that I threw at you while we were on the phone. So much more can be accomplished with a phone call rather than trying to convey it all through email. Thank you for always being so quick to call me and addressing the concerns that I have.

Thanks again for getting in touch with me so quickly.

Amy W


—-Original Message—–
From: Rick
Sent: Saturday, May 21, 2011 5:48 PM
To: Amy@nulltruthinequity.com
Subject: Call on Sunday

So far, I am extremely impressed and amazed by the results. For less than a month, it doesn’t seem possible that I’ve been able to reduce my loan balances by so much.
I look forward to speaking with you soon.


You Can Payoff Your Home In 5 To 7 Years

We have the knowledge to make it happen!

Save Interest. Pay off Debt Fast.
No Need to refinance.
Works for New Purchases.
New Tax Law on Mtg Interest is addressed.
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  • Live Demo Tailored to your scenario.
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  • Unique lending scenarios.

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