Mortgage Manager allows you to save thousands of dollars on your home mortgage without increasing your payments. It shortens your 30-year mortgage by 7-15 years and builds equity 300% faster. Turns your current mortgage into an investment program. All this with: NO refinancing, NO credit reports, NO home appraisal, NO closing cost, NO change of lender, NO change to your current mortgage agreement at all. This version is the first release on CNET Download.com.