--- title: The Disciplined Debt Reset Plan description: Explore the Disciplined Debt Reset Plan with Karen Jones. Learn how home equity and extra principal payments could improve cash flow and shorten mortgage payoff. --- [Skip to content](https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan#main-content) - [Home](https://homeloansbykarenjones.com) - [Home Search](https://nest.me/?affiliate=karen.jones1) - Just for Agents - [Grow Your Business](https://strategy4successnow.com/) - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Video Marketing](https://strategy4successnow.com/video-marketing) - [Website Services](https://strategy4successnow.com/websites) - Buyers - [Buyer Ready Program](https://homeloansbykarenjones.com/buyer-ready) - [1st-Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much Home Can You Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent vs. Own](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Home Values- Phoenix Metro](https://cromfordreport.com/rankings.html) - 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[Raving Fan Videos](https://www.youtube.com/watch?v=-Bxw_sTD5ik&list=PLtmyuoUglgPdczNFLewCNx8bLAIMqxcLU) - [Contact](https://homeloansbykarenjones.com/contact-karen-jones) - [Home Loan Programs](https://homeloansbykarenjones.com/home-loan-programs) - [Karen's Blog](https://homeloansbykarenjones.com/blog) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) # The Disciplined Debt Reset Plan Your personalized debt restructuring strategy. ## Could your home equity help you improve cash flow and pay off your mortgage sooner? If you have a low mortgage interest rate but are also carrying expensive credit card debt or other large monthly payments, it is worth exploring your complete financial picture.  Your mortgage rate, other debt payments, financing costs, and repayment plan all matter. In the video below, I walk you through a family’s numbers and explain how combining debt restructuring with ongoing disciplined principal payments could improve their monthly cash flow.  The plan I created for them could help them pay off their new mortgage in approximately 15 years and 1 month—if they follow it.  That’s where the discipline comes in. ## Watch: See the strategy in action Follow along as I review the family’s monthly payments, explain their disciplined payment plan, and show you where to find the calculator on my website. Prefer to watch on YouTube?  [Open the video here](https://youtu.be/-9n7SdnTZe0). ## How the strategy works We begin with a personalized review of your mortgage, other debts, monthly budget, and goals.  We then compare your options to determine whether using your home equity to restructure selected debts could benefit you. Depending on your situation, we may explore a refinance or keeping your existing mortgage and using a second mortgage.  The right approach depends on your numbers and what you want to accomplish.  The disciplined payment plan can work either way. When the numbers support the strategy, we establish an affordable payment plan that includes your required mortgage payment plus a consistent additional payment toward principal. ## The family’s example from the video This family was managing credit card debt, a 401(k) loan, and their existing mortgage.  Their combined monthly payments were approximately **$2,649.** After restructuring, their proposed mortgage payment, including estimated taxes and insurance, was approximately **$1,071 per month.**  We added a planned **$300 monthly principal payment,** bringing their budgeted housing payment to approximately **$1,371.** Even with that additional principal payment, their monthly cash flow improved by approximately **$1,277.92.** Their new mortgage was **$128,500 at a fixed interest rate of 6.99%, with a 30-year term.**  By adding $300 toward principal every month from the beginning of the loan, their estimated payoff time decreased to approximately **15 years and 1 month.** That represents approximately **$99,657 less interest** compared with making only the scheduled payments on that same new 30-year mortgage. Their existing mortgage had approximately 19 years remaining.  Following this disciplined payment plan could allow them to finish approximately four years sooner than their previous mortgage schedule. ## The secret is making the disciplined payments Restructuring the debt is the first step.  Consistently following your payment plan is what helps you make progress toward an earlier payoff. I recommend setting up automatic payments directly through your mortgage servicer, where available, and including your planned additional principal payment.  Confirm that the extra amount is designated for principal, and review your statements to verify that it is applied correctly. Required mortgage payment + planned extra principal payment = your budgeted housing payment Use that combined amount when creating your monthly budget.  The extra principal payment becomes part of your routine instead of something you hope to make with whatever money is left over. As you reduce your principal balance faster, you reduce the interest that accrues on that balance.  Over time, consistent extra principal payments can shorten your repayment period and reduce the total interest you pay. ## Explore your own disciplined payment plan Visit [my website](https://homeloansbykarenjones.com/) and select **Educational Guides (Tools)**, then choose **Disciplined Pre-Payment Plan.**  In the video above, I show you exactly where to find the calculator and how to use it. Enter your loan information and try an additional monthly principal amount that fits your budget.  Review the estimated interest savings, payoff timeline, and amortization table to see how consistent payments could change your results. The calculator helps you explore mortgage repayment.  A personalized review helps you understand whether restructuring your other debts makes sense for your complete financial picture. ## Protect the progress you make Avoid rebuilding the debts you paid off.  Keep your payment plan affordable, maintain room in your budget for unexpected expenses, and review your automatic payments when taxes or insurance change. The goal is to improve your cash flow today while consistently working toward a paid-off mortgage. ## What happens when your mortgage is paid off? Once your mortgage is paid in full, your monthly mortgage principal and interest payment ends.  You will still need to budget for property taxes, homeowners insurance, maintenance, and any applicable HOA expenses. Removing the mortgage principal and interest payment can create greater flexibility for retirement, savings, and the other goals that matter to you. ## Let’s explore your numbers I believe in helping families make informed decisions through education and support.  Together, we can review your current debts, mortgage, available equity, financing costs, and payment options to determine whether the Disciplined Debt Reset Plan fits your needs. [Contact Karen for Your Debt Reset Review](https://homeloansbykarenjones.com/contact-karen-jones) ![Karen Jones, Senior Mortgage Loan Advisor at Altitude Home Loans](https://homeloansbykarenjones.com/hs-fs/hubfs/Karen%20Jones%20-%201%20of%201%20(1).jpeg?width=120&name=Karen%20Jones%20-%201%20of%201%20(1).jpeg) ## About Karen Jones **Karen Jones** Senior Mortgage Loan Advisor Altitude Home Loans Karen Jones is a Senior Mortgage Loan Advisor at Altitude Home Loans with more than 40 years of experience in financial services.  She believes in homeownership and helping families through education and support, every step of the way. Karen helps homebuyers and homeowners understand their financing options, compare payments and costs, and create a plan that fits their needs.  Whether purchasing a home, refinancing, or exploring home equity to restructure debt, her approach begins with listening, reviewing the numbers, and explaining the choices clearly. **Karen Jones** Senior Mortgage Loan Advisor | Altitude Home Loans NMLS #307015 | AZ License #0914383 Call: [602-613-3573](tel:+16026133573) Website: [HomeLoansByKarenJones.com](https://homeloansbykarenjones.com/) **Important information:** This example illustrates one household’s proposed plan and is not a rate offer or guarantee of results.  Figures are rounded.  Estimated interest savings compare scheduled payments with accelerated payments on the same new mortgage; they do not establish overall savings compared with keeping the original mortgage and other debts.  Actual results depend on loan terms, costs, and consistent additional principal payments.  Taxes and insurance may change. Debt restructuring does not eliminate the amount owed.  Consolidating debts into a mortgage secures those debts with your home, which could be at risk if payments are not made.  Extending repayment may increase total borrowing costs.  Financing is subject to qualification and program requirements.  Confirm your servicer’s payment procedures and any applicable prepayment restrictions.  The calculator accessible through this website is a third-party educational tool and provides estimates. The information provided is for educational purposes and is not legal, tax, or investment advice.  Consult your attorney, tax advisor, or financial advisor regarding your individual circumstances.  The views expressed are those of Karen Jones and do not necessarily reflect the views of Altitude Home Loans. Altitude Financial Corporation DBA Altitude Home Loans. Company NMLS #1955555 | AZ BK #1007669 | Branch NMLS #2488403 [Altitude Home Loans](https://altitudehomeloans.com/)  |  [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/) ![Equal Housing Opportunity](https://app-na2.hubspot.com/api/filemanager/api/v3/files/thumbnail-redirect/161619823725?size=preview&portalId=45466978&errorOnPlaceholder=true&t=1711039351092) Equal Housing Opportunity. ## Get in touch Lorem ipsum dolor sit amet, consectetur adipiscing elit. ## Frequently asked questions Lorem ipsum dolor sit amet, consectetur adipiscing elit. Accordion title Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam tempor arcu non commodo elementum. Accordion title Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam tempor arcu non commodo elementum. --- Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan) [envelope icon](mailto:?body=https://homeloansbykarenjones.com/the-disciplined-debt-reset-plan) "We are committed to educating and assisting qualified borrowers as they pursue their homeownership goals." ## **Hear From Past Clients** Customer Testimonials [![Powered by Reach150](https://reach150.com/img/common/powered-by-16.png)](https://reach150.com/altitude-home-loans/review/61033/karen-jones)   [Contact Karen](mailto:kjones@altitudehomeloans.com) --- Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.  Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral. The opinions expressed here are the opinions of the author and do not reflect the opinions of Altitude Home Loans.  Altitude Home Loans NMLS 1955555  AZ BK 1007669  Branch NMLS 2488403   ![Altitude Home Loans- Karen Jones Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png?width=986&height=204&name=Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png)                                                  **Karen Jones**                                               Senior Certified Mortgage Advisor, RCS-D                                               NMLS 307015 | AZ Lic 0914383                                               Office:  602.613.3573                                               Branch Address:                                               8388 E Hartford Drive, Suite 111                                               Scottsdale, AZ  85255                                               Branch NMLS 2488403   [Licenses & Disclosures](https://altitudehomeloans.com/licenses-and-disclosures/)    [NMLS Consumer Access](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1955555)   Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.  The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans.  The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.   ![Equal Housing Logo- HD](https://homeloansbykarenjones.com/hs-fs/hubfs/Equal%20Housing%20Logo-%20HD.jpg?width=53&height=54&name=Equal%20Housing%20Logo-%20HD.jpg)