Truth In EquityReviews of truthinequity.com

When complications arose with my recent closing (documents getting lost in transit), instead of just handing me off to the bank, David personally helped me understand what happened, what my rights were, and how to handle it professionally. He treated my concerns like they were his own.

If people follow the Truth in Equity method of credit line banking, the nation would be better off. I've been using their methodology since 2009 on multiple homes. Work moves me around. In my current home, I took a $260K mortgage @ 30 years @ 3.25% in 2020. It is 2026, my house payment was $1542 per month including escrow for taxes. I got the balance down to $104k. I then recast the mortgage at a cost of $250 measly dollars. What does that do? The mortgage company takes the $104k @ 3.25% based on the # of months left on the mortgage. The calculation goes like this: 360 months in 2020 is now 288 months left in 2026. Payment is now $963/month - a savings of $579 per month which i can now use to pay off the mortgage even quicker. A 30 yr mortgage paid off fully in about 8 years without a 2nd job or change in std of living. THIS is what Truth in Equity shows you how to do. And it's a 1 time fee and good basically forever. I reach out to them every so often and they are always there to listen or help if needed. Once I understood the process fully, I haven't needed them much. Great people who have figured out the banking system to the public's benefit. You have no idea what you're missing if you don't reach out to them. AND ... I get nothing for my endorsement.

David is the real deal. He has the “cure to financial cancer” if you’re willing to listen to him. My only regret is not finding him sooner.

Phenomenal people who help you learn how to get off the hamster wheel. Working with them has been an eye opener. Give them a call just to talk.... and learn what they can do. It is a passion and mission for them, not just a job.

On my mortgage contract, I have a 2.5% interest rate. But I looked at my statement and saw half of my mortgage payment was interest. My 2.5% interest rate was only used in the amortization equation to spread my payments over 30 years. In the past 13 years, I had paid $10,000 in principal payments and barely reduced the number of months left on the life of my mortgage. Those two observations convinced me there had to be a better, less expensive way to pay off my mortgage. I watched several "how to rapidly pay off your mortgage" videos looking for that way. Most were lots of hype on program effectiveness. Most were short on how their programs worked, and how excited they would be to have me as part of their family. But then: I found Bill Westrom's youtube video in which he explained how credit line banking works. He gave clear examples, and used simple math to show why my monthly interest payment was so much than my rate, and why all my payments were not significantly reducing the live of my mortgage. Bill’s video is just over an hour long, but he gives the best explanation of how to pay off my mortgage in much less time, saving myself much of the interest I was paying the bank. I logged onto the company's website and scheduled an appointment to talk to someone about putting this strategy into action for myself. I spoke to David Welles. He and Bill Westrom are cut from the same cloth, down, to earth, plain spoken, and committed to helping me employ their strategy to rapidly pay off my mortgage. That was four months ago. Everything they told me was has worked. They have both stayed in touch with me helping me through taking steps to most effectively use the strategy. Bill even took me to breakfast when I visited him in Portland (your results regarding breakfast may vary.) My trust in David and Bill is well placed. They are committed to help as many of us as they possibly can. So I recommend, without reservation, that you or anyone else with mortgage or other looming debt to call either of David or Bill and take their help.

Bill goes out of his way to provide personal attention!

Bill is great to work with! Explained his services in a way that we were easily able to grasp. He’s always available for us to ask questions.

Bill is patient, knowledgeable, and kind.