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Introducing the All In One Loan

Introducing the All In One Loan, a 30-year HELOC with an integrated sweep-checking account. By combining your home financing and personal banking needs into one dynamic tool, you can achieve homeownership with lower costs and more benefits.

How Does It Work?

The All In One Loan includes integrated banking which automatically transfers your income and idle savings to the HELOC to reduce your loan’s daily balance. The monthly interest is recalculated each night based on the remaining principal balance of your loan. Any deposited cash that remains in the HELOC earns compounded interest and helps to pay off your home faster.

Deposit your paychecks & liquid savings

Each deposit is directly applied to the loan’s principal, leading to a reduction in the daily interest cost and the amount of monthly interest payment automatically.

Pay your bills and expenses

Your funds are always securely accessible round the clock for your regular spending requirements. Each loan comes with standard ATM cards, checks, online, and mobile banking services.

Payoff sooner and save more

Your cash is utilized efficiently to save you interest at the same rate as the loan, resulting in paying off the loan several years earlier than a traditional mortgage. This helps you live more securely.

All In One Loan Simulator

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.




Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family…read more

Kirk C.

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It…read more

Julie M.

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow…read more

Cassandra C.

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.


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