Buying A Home?

Do You Have Enough Down Payment Saved?

We are here to help you raise as much as $25,000 over the next 12 months.

Answer Our Quick Questionnaire

Average Down Payment Funded


We Provide a Simple Service for Homebuyers...

..the 3 basic things!

Down Payment Money: Help you acquire up to $25,000 in down payment and closing costs related to purchasing a home.

Credit Repair: Improve your credit rating with all major credit bureaus.

Proof Of Income: Ensure all documents (insurance, taxes, financial documents) are in order so you can close as soon as possible.

How Do We Raise Money For Your Down Payment?

We use an Automated Cash Distribution System

Introducing Bill-Tycoon™, an FDIC®-compliant “banking strategy allowing you to use online banking and electronic bill pay to generate a monthly Return of Income between 12% – 25% of the total amount you spend on monthly household expenses while your total monthly household expenses are paid in full and on time.   The process is called Cash-Flow Allocation Shorting. The Money can be saved, invested, or spent. We highly recommend you use Bill-Tycoon™ as a personal fundraiser for your down payment and closing costs.

Before we start, open your mind to the fact that Right Now, you are already spending thousands of dollars per month on household expenses.  Now, imagine an automated system that pays all monthly in full and on time, while allowing you access to an extra $500, $1,000, $1,500, or $2000+ each month.

  • With the Bill-Tycoon™ Cash-Flow Allocation and Shorting Strategy, you will learn how to “Bank like a Millionaire”. That means, as your direct deposits hit your Main Checking Account, special instructions are given to you so you can allocate a precalculated amount of money on a precalculated schedule, to three other checking accounts.
    1. Spending: Account (discretionary items: car gas, uber, eating out, entertainment, groceries, misc., etc)
    2. Independent Expenses: Account (Electricity, cell phone, natural gas, all insurances, cable, internet, bills that are not debt)
    3. Debt: Account (Rent, Mortgage, credit cards, student loans, furniture bills, auto loans, payday loans, etc.)
  • With the strategy, your bills will count against upcoming paychecks by a smaller and smaller amount. Your “cost of monthly bills” will drop by 12% to 25%. Even though we are lowering the cost of bills per paycheck, The FDIC® compliant formula is set to make sure those individual accounts will always have enough money to pay bills electronically as they come due. 
  • Your internal rate of return is higher when at least 80% of your total number of household expenses are paid using electronic bill pay at one bank. 
  • Bill-Tycoon™ gets its results without depleting your savings, without re-writing your budget, and while all of your monthly bills are paid on time, in full, with no NSFs.  
  • It is recommended that you direct your Bill-Tycoon™ money into a life insurance policy, trust, CD, or investment vehicle for outside-the-bank accumulation.  This way, when you are ready to make a financial move, the money is readily available.

With Bill-Tycoon™, Saving Your Down Payment Won’t Have To Cost Your Household a Dime.


Get Qualified

Once your down payment goal is generated, our team will set up your fundraiser so you may reach your goal quickly.


Debt Pay Down

Based on your results, you may choose to use some of your raised money to have some or all of your old debt items paid off.


Credit Improvement

PayZero has partnerships with legally recognized credit professionals that are ready to assist you at a fraction of the cost of you paying for a service yourself. We make no profit from referring you to our partners.

Here are the 3 simple tasks you will need to accomplish in order to participate in the MortgageReady “12-Month Road to Home Ownership” Program.

Analysis of Monthly Expenses

You will need to enter your total income and monthly expenses individually into our Universal Shorting Calculator

Direct Deposit

You will need to set a direct deposit of all household income to enter one account.

Setup Your ReSpend

You need 1 Checking Account and 4 Sub Accounts named Debt, Utility, Discretionary, Return. (No Credit Unions unless it’s USAA®)

Frequently Asked Questions

Each month, you enter your financials into our calculator to determine how much you can Bill-Tycoon™, it will provide banking instructions for establishing your Return by shifting 12% to 25% of the money you spend on monthly bills towards your down payment account (life insurance policy), while rearranging how your remaining dollars move through your bank, so just enough is always in place to make sure your monthly bills and expenses are still paid in full and on time.  Bill-Tycoon™ is able to both, Reserve up to 25% of your monthly expenses, and separately increase your monthly savings without asking you to cut expenses, and without you bouncing a check.  If you do not want to follow the algorithm banking instructions, PayZero can do it for you without having any access to your bank accounts.

You will be able to keep an amount equivalent to 12% – 25% of the cost of your monthly household expenses, depending on your household. You must use your bank’s online electronic bill pay services to be effective.

Without a doubt. As financial advisors, our goal is to help you get out of your debt as soon as possible. Especially when your goal is to be Mortgage Ready That’s why it’s very important that you consider Bill-Tycoon™.

Now, or as soon as you are ready.  Especially if you are paying rent.  Each month you pay rent, you are losing valuable profits to your household’s bottom line.  And how long are you going to miss out on homeownership opportunities because of a tight monthly budget?

Your time is precious. That’s why we’ve streamlined the home buying process from start to finish. We put a little extra lending power in your hands. So you can close with confidence, faster.

Immediately…. or as fast as you can fill in your Universal Shorting Calculator, get your login access to your Digital Account, and have one of our advisors set up your Bill-Tycoon™ Fundraiser for you. If you are fast and start at the beginning of the month before the 7th, you will see your entire float by the end of the month as extra cash in your insurance policy.

Our goal with the Mortgage Ready program is 1 year. Let’s just say, If I was able to have up to 25% of my total household expenses invested anywhere I like, then I’d use Bill-Tycoon™ until the end of time.

Our requirements are simple:

  • Steady Income – Any salaried, or hourly W-2 employee, professional Public and Private companies, Government sector employees including Public Sector, or retired person(s) is eligible for a personal loan.
  • Age – Minimum age is 25,
  • Maximum age of applicant at loan maturity: 70 years.
  • Monthly Bills – Minimum Net Household Expenses: $3,300/mo.
  • Credit Rating – Applicant should have a bank-specified credit score of 520

Get started in minutes

To get started, simply click the button below, our team will guide you on the next steps.