All right . . . I had to be quick in that response to the Amway comment, now I have time. Typing doesn't allow me to stress strongly enough that my BS flag went straight up the pole when I first heard about MMAs! Two main reasons: it sounds too good to be true, and the banks have us trained. We're the customer, yet we allow them to dictate mortgage terms that favor noone but them. In Europe and Australia mortgage products have been available for decades that work like an MMA. In the U.S., the banks have gotten us all trained to pay them the highest possible total interest . . . they don't offer anything like this. An MMA is simply a work-around, allowing you to use the very rules and structures the banks have created to your advantage. I've been up for 20 hours, commuted & flown three legs with TS, so I won't bore you & I both with the details here & now. Please visit the website. Call me out . . . here, in 'public', with your skepticism. Of course, PM or email if you like, I just want everyone to know that there's nothing fishy about MMAs. I'll answer anything you want, privately or in public. Break the habit your mortgage lender has created for you!