RESEARCH

Tested, not asserted

Working papers on the strategies sold to households that carry debt. Each one states its question, its method, its data, and what it cannot show, and ships with the workbook and code so the result can be checked rather than believed.

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Version 1.0

Velocity Banking vs. an Accelerated 30-Year Fixed: What 36 Years of Rate History Says

A 36-year back-test of velocity banking against an accelerated 30-year fixed with no-cost refinances. The second-lien version lost 378 of 378 five-year windows. The first-lien sweep won only at the onset of recessions, which are also when lenders freeze the lines that carry it.

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Written for advisors, accountants, and attorneys who get asked about these strategies by clients. Forward freely. The claims concern strategies, not sellers, and vendor names are omitted by design.

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DebtRetired is an advisory and education practice. It is not a debt settlement, debt consolidation, debt relief, or credit repair service, and it does not sell or recommend velocity banking or HELOC payoff programs. It does not contact your creditors, does not pull your credit report, does not provide investment, tax, or legal advice, and never holds or handles client money. Steve and Amy are a composite household built from typical client situations. Their numbers come from a real run of professional planning software, and every date shown is a projection from that run, not a report of past results. Your numbers and your dates will be your own, and no outcome is guaranteed: a plan’s results depend on a household’s actual numbers and the follow-through behind them. Payoff modeling and client billing run on the Debt Done Date planning platform. Kent Kopen is a Certified Liability Advisor on that platform and is compensated through it. © 2026 DebtRetired.com