• Not a refinance.
  • Not a consolidation loan.
  • Not debt negotiation or settlement.
  • Not one of those bi-weekly payment gimmicks.
  • Unique and unlike anything you’ve seen before.
  • A smarter, systematic approach to paying off debt 50–80% faster.
  • Designed to work with the payments you’re already making.
  • Customized to your income, balances, and timeline.
  • Mortgage balance of at least $100K.
  • At Least 25 years left on your Mortgage.
  • At Least 4 non-mortgage debts of over $25K combined.
  • Be Current on all payments.
  • Request a complimentary Free & Clear Savings Analysis (Green Button).
  • Meet with us online to go over your Savings Results.

We operate on a first come first serve basis, this offer is good for the next 30 days or 100 clients whichever comes first.

Below are 5 Recent McGowan Mortgage clients who started their Free & Clear Advantage Plans in 2025

Together they are saving over $1 Million in Interest.

These are life changing savings!

I just wanted to personally express my appreciation… I say this because as happy as I am to be a homeowner…
I never saw myself retiring.
Since joining their program in less then a month they have whipped me into shape and really are the best financial decision I have made since this purchase.

I highly recommend and wish more people knew about this…”

E.E.

To see what the Free & Clear Advantage can do for you and learn what other homeowners are experiencing, use the button below to get started on your free savings analysis. This will open a form you can fill in on your computer or phone.

The savings analysis is prepared on a first come first serve basis. Once you hit the front of the line it is typically 1-2 business days to prepare this for you.

We do not ask for a SS# & this is NOT based on credit. We simply need just the payment terms on the debts to run your savings calculations.



Here’s why a few lucky McGowan Mortgage clients took advantage of this early, before we officially launched the Free & Clear Advantage to all…

  1. Total Interest Savings
    See exactly how much interest you could avoid over-paying.
  2. Debt-Free Timeline
    Find out how many years faster you could be completely out of debt.
  3. Transparency
    You’ll see how this works without having to refinance or getting a consolidation loan, or using debt settlement.

There is a better way and others are already using it to get these results.

Everyone’s situation is different, and your results will depend on your specific debts. The best way to find out how much you could save – is to get your own free analysis.

Your savings analysis is free.
It’s personalized and it could transform your financial future.

Scroll down to and use the button to get started with your Free Savings Analysis today.

After we run your analysis and share the results with you, we’ll show you how to lock in your savings results.

We’ll typically have your analysis completed in 1-2 business days once you are in line.

To see your savings numbers in your own free analysis, click the button below. This will open a form you can fill in on your computer or phone.

We do not ask for a SS# & this is NOT based on credit. We simply need just the payment terms on the debts to run your savings calculations.


Offer details: eligible homeowners; brief online meeting required; coverage available only when projected savings are under $50K (coverage cap disclosed at scheduling); no refi required; no credit check.

Full coverage terms: https://freeandclearplan.com/coverage-terms