Own your home years sooner —without blowing up your lifestyle.
FTO is a guided program that helps you either pay off your existing mortgage in 10 years or less, or plan and fund your very first home—using smarter cash flow, HELOCs, and digital banking.
For current & future homeowners in the U.S. Secure member portal with courses & tools Pay one-time or monthly through our site
SAMPLE SCENARIO
$400,000 mortgage at 6.5%
Normal payoff
30 years
With FTO plan
≈ 9–12 years
Interest over 30 years
$510,000+
Estimated interest saved*
$200,000+
*Illustrative only. Your results depend on income, discipline, and your specific loan.
Two tracks. One goal: debt-free homeownership.
Whether you already have a mortgage or you’re working toward your first keys, FTO gives you a clear, coached roadmap—plus the tools and member portal to stay on track.
FOR CURRENT HOMEOWNERS
Mortgage Freedom Accelerator
A step-by-step plan to shorten a 30-year mortgage to 10 years or less. We organize your cash flow, set up your HELOC strategy (when appropriate), and use digital banking and smart credit card tactics to crush your principal faster.
FOR CURRENT HOMEOWNERS
First-Home Fast-Track
Not an owner yet? We help you build a realistic plan to buy your first home— from cleaning up your credit and structuring your budget, to saving for your down payment and choosing the right loan.
How Fast-Track Ownership works
We combine coaching, numbers, and technology so you always know what to do next— and you don’t have to figure this alone.
Clarity call & intake
We start with a free strategy call to understand your goals and review your basic numbers. If we’re a fit, you complete a secure intake form and upload your mortgage or rent details.
Custom FTO blueprint
We map your 10-year (or faster) path with concrete monthly targets, timing for lump-sum injections, and recommendations on HELOC use, credit cards, and digital banking.
Coaching + member portal
You get access to our secure WordPress-based member area—courses, calculators, and trackers—plus regular 1:1 check-ins to keep you accountable and adjust your plan as life changes.
Meet your coach
You’re not talking to a call center. You’re working with a real coach who understands mortgages, cash flow, and the realities of everyday life.
Honore Nzambu,Ph.D., Founder of FTO
Mortgage freedom strategist · Licensed real estate professional · Personal finance coach
I started FTO after seeing too many families trapped in 30-year loans they could have paid off in half the time—with a clear plan and a bit of discipline. My role is to translate complex finance into a simple, doable roadmap for you and your household.
Together, we’ll decide whether you should fast-track your existing mortgage, prepare for your first home, or combine both over time. You’ll always know why each move makes sense—and you’ll never have to guess alone.
A secure member area that keeps you on track.
Every FTO client gets access to our private membership area—built on a secure platform—so you can learn, track, and grow all in one place.
- Step-by-step courses on mortgage amortization, HELOC strategy, and smart credit card use
- Interactive calculators and payoff simulations
- Monthly “check-in” forms to update your progress
- Secure payment options for one-time plans or monthly coaching
Client Access
Already a client? Use the links below to log in, manage your payments, and resume your courses.
Login to FTO Member Portal
Update my payment method
view my course & Progress
Client stories & results
Names changed for privacy, results shown with client permission. Your numbers will be different—but your sense of relief won’t be.
“We went from 27 years left on our mortgage to a clear 9-year plan. For the first time, we know exactly what to do each month.”
“M. & L.”
“I always thought homeownership was 5–10 years away. With FTO, I have a realistic first-home budget and a savings system that actually fits my life.”
“The mix of coaching, courses, and the online tools is what did it. I just log in, follow the plan, and I can see my payoff date getting closer.”
Simple pricing, flexible payments.
Get started with a one-time setup, then choose monthly coaching only if it serves you. All payments are handled securely through our WordPress membership system.
FTO Blueprint Session
One-time · Applied toward any full program if you continue.-
60–90 minute strategy session
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Initial payoff or first-home projection
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Recording + recap PDF
Mortgage Freedom Accelerator
Pay in full or as low as ~$250/month with our secure payment plans.-
Custom 10-year payoff blueprint
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Private member portal access (courses & tools)
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Monthly coaching for 12 months
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Email support between sessions
First-Home Fast-Track
One-time or 6 monthly payments · Designed for renters and aspiring buyers.-
First-home affordability analysis
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Credit & savings roadmap
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Access to first-home course library
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Quarterly check-ins for 12 months
Questions you might be asking
Do you handle my money or pay my mortgage for me?
No. You stay 100% in control. We coach you, build your plan, and give you tools. You make all payments directly to your lender or savings accounts.
Do I need a HELOC to use FTO?
Not always. Some clients use HELOCs as a tool, others don’t. We’ll help you decide what fits your risk level, cash flow, and local lending options.
What if my income is variable?
Many clients have irregular income. We design your plan with a safe baseline and optional “bonus” injections when your income is higher.
Can you work with my existing lender or realtor?
Absolutely. We’re happy to coordinate with your lender or real estate agent, as long as you authorize it. Think of us as your personal strategy layer.
Ready to see what’s possible in 10 years?
In your free 30-minute call, we’ll look at your current situation and estimate how quickly you could realistically fast-track your mortgage—or plan your first home.
No pressure, no sales script. If FTO isn’t a fit, you’ll still walk away with more clarity than you had before.
From the FTO blog
Short, practical articles on paying off your home faster, planning your first purchase, and using modern banking tools wisely.
5 ways to shave years off your mortgage
Learn the simple moves most homeowners overlook—and how to apply them safely.
Are you really ready to buy your first home?
A simple readiness checklist to avoid becoming “house-poor.”
Using credit cards without letting them use you
How FTO clients leverage cards and digital banking without falling into debt traps.