"We've been happy customers for more than ten years. As a result of our savings, EMPP has helped us ensure great educational opportunities for our three daughters."

What is the Early Mortgage Pay-Off Plan?^®

The ASU Alumni Early Mortgage Pay-Off Plan (EMPP) is an automatic mortgage acceleration program that helps you pay off your mortgage years ahead of schedule, saving you thousands of dollars in interest and effectively reducing your mortgage interest rate.

The Early Mortgage Pay-Off Plan is offered by the ASU Alumni Association as a free benefit to its members.

How Can ASU Alumni EMPP^® Help Me?

When you enroll in the ASU Alumni Early Mortgage Pay-Off Plan, you'll be able to:

• Save thousands in interest. Pay off your mortgage faster by making the equivalent of an extra payment each year, reducing the interest you pay over the life of your loan. Find out how much you can save.
• Increase home equity. Those added payments toward your principal increase your equity – the amount you own in your home.
• Accelerate mortgage payoff. You can own your home, mortgage-free, years ahead of schedule.
• Simplify bill paying. Never write another mortgage payment check. Automated payments are timed to match your pay schedule.
• Eliminate late payments. Your mortgage payment will arrive on time, without fail, month after month – no late fees, ever.

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How Does ASU Alumni EMPP^® Work?

The idea is quite simple. With the ASU Alumni Early Mortgage Pay-Off Plan, you make a payment equal to half your current monthly mortgage payment every two weeks. That’s 26 half payments each year, or the equivalent of 13 monthly payments.

The extra amount you pay goes directly toward your mortgage principal balance and reduces your mortgage interest. And with EMPP, it’s easy and automatic.

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