Not sure if I should put this in Thursday Jokes or here in Fire and Money. It is incredible that people actually buy into this kind of thing and it is amazing that people have the gall to try to sell it to the unsuspecting public. The concept of helping homeowners visualize their monthly savings as accelerated mortgage payoff is admirable. But suggesting that they do it by using a 10% home equity loan to pay off a 6% mortgage is criminal. The guy uses all sorts of mumbo jumbo and sleight of mouth to try to cover up the real deal, but borrowing at a higher rate to pay off a lower rate loan is what it boils down to. What a sick joke!