How it works

Step 1 - Become a Member

Join the Interest-Free Mortgage Fund (IFMF) and help grow a community designed to eliminate interest from homeownership. Members are encouraged — but not required — to invite at least 5 additional U.S. Citizens or Green Card holders who currently own or plan to buy a home.

One-time membership fee: $15

Step 2 - Building the Community to 2 Million Members

Our first major milestone is reaching 2,000,000 members.
This creates the foundation for a nationwide, member-owned interest-free mortgage fund.

Step 3 - Secure Your Mortgage Position

Once IFMF reaches 2 million members, each participating member funds their position in the mortgage pool.

Required contribution:
1.5% of $400,000 = $6,000 total

Two funding options are available:

• Single Deposit: $6,000
• 18-Month Plan: $333 per month

This secures your place in the fund and your eligibility for an interest-free mortgage.

Step 4 - Creation of the $12 Billion Member-Owned Fund

When contributions total $12 billion, the IFMF Interest-Free Mortgage Fund becomes active.

At this point, IFMF will begin converting each participant's mortgage — new or existing — into a 0% interest mortgage of up to $400,000 (the U.S. average home price).

We handle everything:

• Mortgage conversion documentation
• Closing process
• Escrow account setup
• Ongoing servicing

You simply transition to a 100% principal, interest-free loan.

Step 5 - A 0% Mortgage With Faster Payoff

Your existing monthly mortgage payment stays the same — but now 100% goes to principal.

This results in an estimated payoff period of 12.43 years, instead of 30.

Step 6 - Example of the Financial Impact

Based on a $400,000 mortgage:

Without IFMF (traditional loan):

• 30 years of payments
• About $543,000 in interest (at 7%)

With IFMF:

• Loan paid in 12.43 years
• $543,000 interest saved
• Home value grows to ~$843,000 (2.5% annual appreciation)
• Mortgage payment invested after payoff through year 30 could reach $1,160,000 (at 7%)

Total Accelerated Wealth Creation: ≈ $2,546,000 in value

Your same monthly payment — just used more efficiently.

Step 7 - Monthly Membership Fee for Long-Term Growth

Once the 2 million membership milestone is reached, each member contributes:

$15 per month

Up to 60% of these funds will go toward accelerating mortgage conversions for all members.
With full membership, this provides approximately $36 million per month to help members achieve interest-free living faster.

Step 8 - Future Member Benefits (Planned Enhancements)

Member-Owned Credit Union

No additional cost. Offers:

• Savings & checking
• Low-interest consumer loans
• No big-bank fees

Member-Owned Homeowners Insurance Company

A reciprocal insurance model where members control rates. Potential to reduce homeowners insurance costs by up to 50%.

Discount Programs & Member Offers

Planned partnerships include:

• Auto dealerships
• Auto insurance providers
• National retailers
• Group Health, Life, and Accident insurance

All enhancements depend on reaching the 2 million-member threshold.

Step 9 - Full Transparency Through the Member Portal

Upon reaching the community goal, members will have full online access to:

• Contribution history
• Fund totals
• Your position in the queue
• Estimated conversion date

Everything is open-book.
The fund is member-owned — and member-run.

Step 10 - Ongoing Education & Support

IF Holdings, Inc. understands the importance of clarity and transparency. Members can:

• Submit questions anytime through the portal
• Attend live Q&A sessions on:
  • IFMF operations
  • Banking
  • Insurance
  • Financial planning
  • Investments

Once this fund is successfully launched, our long-term vision is to advance the IFMF model toward state and federal adoption.