Mortgage cycling is a system that relies on solid budgeting, equity lines of credit and use of an open credit card. Whether you use this on investment real estate or your own home, it can work for wealth building. If you are short on equity in your home and/or don't have an open credit card, a decent-sized savings account or money market will get your mortgage cycling started just as easily.

Mortgage cycling is a legitimate method for fast mortgage reduction and equity buildup. This may be a strategy unknown to many people in investment real estate, as well as those who simply want to save thousands on their mortgage. Now, this is not the pay off your mortgage in six months to one year that some of the more unscrupulous programs boast. Successful mortgage cycling relies on disciplined spending habits.

The mortgage cycle involves the use of an equity line of credit to apply large lump sum payments to the principal balance on your mortgage. Although the mortgage cycling system is much more complex than this, it is not too difficult for someone who does not understand mortgage and equity loans.

The key to mortgage cycling is changing the interest that is due on your mortgage. You see, when you add large lump sums of money to the principal mortgage, the interest owed goes down, saving potentially tens or even hundreds of thousands of dollars.

Mortgage cycling is by far the best system of mortgage reduction and equity buildup that I have seen in my many months of researching this hot topic. If you are disciplined with your money and can follow a strict schedule, check out the mortgage cycling program. You'll be amazed at the results.

Mark Barnes is an investment real estate and real estate finance expert. Get his free mortgage finance course at http://www.winningthemortgagegame.com and learn more about his wealth-building system. Mark is also the author of the new novel, The League, a shocking, sports-related conspiracy. Learn more about his suspense thriller at http://www.sportsnovels.com