Seattle, WA · CMG Home Loans · NMLS 468091

Your mortgage should build your wealth. Not the bank's.

I'm Duane Lockett — a Seattle-based Loan Officer with CMG Home Loans and over twenty years in residential mortgage. My focus is transparent communication and outstanding service, using the All In One Loan® to help clients close on the home of their dreams without breaking the bank.

  • Works in any rate environment
  • No budget change required
  • Funds stay liquid 24/7
Duane Lockett, Loan Officer at CMG Home Loans in Seattle, photographed lakeside
20+Years in Lending
UW EconomicsBA Graduate

Interest never sleeps

$0.000

accrued so far today on a $400,000 balance at 6.5%*

Mortgage interest on CMG's All In One Loan® is simple interest calculated against your balance, every single day — while your paycheck sits idle in a checking account earning next to nothing. The All In One Loan® parks that income against your balance instead, so every deposited dollar stops its share of this meter without losing a dime of access.

The Math

Rates get the headlines.
Balance and time decide the bill.

Most borrowers shop one number: the rate. But the true cost of a mortgage is three-dimensional — and the other two dimensions are where the real money hides.

D1Rate

The number on the billboard. It matters — but it's the only dimension traditional lending ever lets you optimize.

×

D2Balance

Interest is charged on what you owe. Lower the balance sooner, and every day of interest gets cheaper.

×

D3Time

The years the balance is carried. Cut the time, and you cut the compounding — regardless of where rates sit.

Scenario A — the 30-year default

6.50% · 30-year fixed · $300,000

Total interest over the life of the loan$382,633

Scenario B — half the time

5.50% · 15-year fixed · $300,000

Total interest over the life of the loan$141,225

The 15-year saves $241,408 in interest. Here's the 3D part: keep the 30-year term and just drop the rate to 5.50%, and you'd still pay $313,212 — so $171,987 of the savings comes from time alone, nearly 2.5× what the rate cut delivers. The catch? The 15-year payment runs about $555 more per month. The All In One Loan® attacks balance and time the same way — using cash flow you already have, not a bigger fixed payment.

*Illustration for educational purposes only; not an offer of credit or a rate quote. Scenario A: $300,000 loan, 30-year fixed at 6.500%, principal & interest of $1,896.20/mo. Scenario B: $300,000 loan, 15-year fixed at 5.500%, principal & interest of $2,451.25/mo. Payments exclude taxes, insurance, and mortgage insurance. Rates are hypothetical examples for comparison, may not reflect current pricing, and may not be available at the time of lock; APR will be higher than the rates shown and depends on individual loan costs. Daily-interest meter assumes a $400,000 balance at a 6.5% annual rate with simple daily accrual for illustration only.

The Strategy

One account. Your checking and your mortgage, finally on the same team.

The All In One Loan® is a first-lien line of credit merged with full-service banking. Most households will move more money through checking in the next 5–7 years than they owe on their home — this puts that flow to work.

1

Deposit income as usual

Paychecks and revenue land in the account exactly like a normal checking account. No new habits, no new budget.

2

Your balance drops instantly

Every deposit is applied against principal the moment it arrives — idle dollars stop being idle.

3

Interest is calculated daily

Interest accrues on each day's actual lower balance — so savings start on day one, not year twenty.

4

Your money stays yours

Spend, transfer, and withdraw 24/7. Liquidity is built in — no refinance required to reach your equity.

How it treats you
Traditional 30-Year
All In One Loan®
Interest calculation
Front-loaded, fixed schedule
Daily, on your real balance
Your everyday income
Sits idle in checking
Reduces principal 24/7
Extra principal payments
Locked away for good
Accessible anytime
Payment as balance drops
Fixed until refinance
Recalculates monthly, downward
Reaching your equity
Refinance & restart the clock
Built into the account

Rising, falling, or flat — the strategy doesn't care. It runs on your cash flow, not the Fed.

Strong monthly cash flow Equity-positive homeowners Business owners & 1099 earners Real-estate investors Pre-retirees planning liquidity
Duane Lockett with his wife and two sons on a family outing

The Advisor

Over twenty years. Building generational wealth.

With over twenty years in the residential mortgage industry, my focus is straightforward: transparent communication and outstanding service. The mortgage is one of the biggest financial decisions most households will ever make — you deserve to understand every step, and to trust the person walking you through it.

My BA in Economics from the University of Washington and in-depth understanding of mortgage guidelines give me a unique perspective on the home buying process. I use that knowledge — along with programs like the All In One Loan® — to make financing seamless, straightforward, and even enjoyable, helping clients close on the home of their dreams without overpaying.

Outside the office, my most important job is raising two young men — my boys, 7 and 5, who keep me sharper and more honest than any client ever could. Whether it's coaching them through a hard loss, teaching them to shake a hand and look someone in the eye, or just being present at the dinner table, showing up for my family is the standard I hold myself to everywhere else in life. Off the clock, you'll find me reading, skiing, or hunting down the next great spicy meal in Seattle. I've built my practice on great listening, attention to detail, and getting things done — because every client deserves the same care I try to bring home each night.

Duane LockettLoan Officer · NMLS 468091

The Next Step

Let's run your numbers.

Fifteen minutes. Your actual cash flow, your actual balance, and a projected payoff date you can hold me to. No pressure — just math.

Office
255 S. King St. Ste 800, #09-104
Seattle, WA 98104
Phone
(206) 286-2821 · (253) 576-6808
Email
dlockett@cmghomeloans.com
Licensing
Duane Lockett · NMLS 468091
Branch NMLS 2480234
CMG Home Loans · NMLS 1820