If this product performs as advertised it's pretty incredible. The thing is, I doubt the majority of the population will even consider it. Most people don't make any additional payments on their mortgage and those that do either do the bi-weekly thing or a 13th payment. That's almost pointless at what effect it has short term (<5 years) or even mid-term (<10 years). At that point you might as well just keep the money. I doubt fewer people would even apply ALL the extra money toward their mortgage - they want to go spend it vs. getting no short term return.

How do you go about convincing people to throw all their money into it? They must be pretty skeptical (like I was).